vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-06 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: WI

Complaint narrative:
I am writing to formally request the blocking and deletion of several accounts and inquiries from my credit report due to my involvement in a recent data breach. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have any accounts or inquiries impacted by identity theft or a data breach blocked and subsequently removed from my credit file. 
Below is a list of the affected accounts and inquiries that should be blocked and deleted in accordance with the aforementioned laws : Accounts : XXXX. XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00} XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$590.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$710.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00} XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1600.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$690.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1600.00} XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$600.00} XXXX. XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$380.00} Inquiries : XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date : 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 non-monetary relief
Consumer complaint received 2024-12-06 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: GA

Complaint narrative:
Dear CFPB Representative, Dispute of Innacurate Late Payment Reporting Account reference XXXX. XXXX XXXX XXXX. Acct. XXXX XXXX. XXXX XXXX XXXX. Acct. XXXX Subject : Request for inaccurate late payments based on FCRA specifically 15 U.S. Code 1681 I am writing to file a formal complaint regarding a critical issue with the inaccurate reporting of late payments on my credit report, specifically concerning the accounts referenced with XXXX  XXXX XXXX. Acct. XXXX /XXXX  XXXX XXXX XXXX Acct. XXXX upon thorough review, I have identified discrepancies in the reporting, and it appears that there may be a violation of the Fair Credit Reporting Act ( FCRA ). As outlined in 15 U.S. Code 1681. The reported late payments on the aforementioned accounts are inconsistent with my payment history. I would like to bring to your attention that, to the best of my knowledge and records, I have consistently paid these accounts on time, in accordance with the agreed upon terms. 
Reference to PAANL ( Paid as Agreed Never Late ) The terms of our agreement have always been adhered to, and the accounts in question should reflect a status of Paid as Agreed Never Late ( Paanl ) based on the timely payments made. It is imperative that my credit report accurately represents my financial and commitment to meeting payment obligations. 
I hereby request that you provide documented proof supporting the claim of late payments on these accounts, in accordance with 15 U.S. Code 1681i of the FCRA, this proof should include specific details such as dates, amounts, and any relevant communication indicating that the payments were indeed late. In the absence of valid proof, I expect the credit reporting to be rectified promptly. 
If, after a thorough investigation you are unable to provide verifiable proof of late payments, I demand that the account be promptly updated to reflects its accurate status as Paid as Agreed Never Late. According to 15 U.S. Code 1681s ( 2 ) ( A ) ( 1 ) of the FCRA Creditors and Credit Reporting Agencies are required to report information accurately and completely. Additionally, I remind you that you must conduct a timely investigation and provide a written response within response 30 days from the receipt of this dispute letter, as required by 15 U.S. Code 1681i ( A ) ( 1 ). Failure to adhere to this timeline will be considered a violation of the FCRA. 
I appreciate your prompt attention to this matter and expect a resolution that aligns with the legal obligations outlined by the FCRA. Your cooperation is crucial in maintaining the accuracy and fairness of my credit report. 
Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 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: FL

Complaint narrative:
Complaint- XXXX I am writing in response to your recent correspondence indicating that you were unable to locate a credit file for me. 

Given that you have confirmed there is no credit file associated with my identity, I am formally requesting that you permanently delete any residual or incomplete information you may have on file related to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: ALLY FINANCIAL INC.
State: WI

Complaint narrative:
I had 2 credit card accounts with Ally Bank. I closed 1 of the accounts. I made an overpayment on the closed account balance. I contacted the company several times via phone to resolve the issue. They will not transfer my overpayment of my credit balance of {$18.00} from my closed credit card account to my open and active credit card account. I have been told they are sending me a paper check for the credit amount that I over paid. They have told me this for a few months now and I never receive a check for the credit on my account. I'm tired of this so am filing my complaint with you. I do not like being lied to.

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 2024-12-06 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: MO

Complaint narrative:
To whom it may concern, Recently, I contacted your firm with a formal consumer complaint challenging reported claim ( s ) under the FCRA 611 ( a ) ( 7 ). Included as well in addition of that check for compliant reporting, I sent a formal written validation demand to the Creditor for the Inquiry that you are reporting. I received back a denial of process and an assertion that the records of the inquiry ( ies ) reported were in fact UNAVAILABLE, or so they claimed! No matter if you or a third party has collected this information, you must have an adequate record to legally substantiate the claim ( s ), if not it ( they ) is/are UNVERIFIEABLE, invalid, or not factually certified compliantly reported ( even to the mandatory Metro 2 format standards ) or ANY OTHER DEFICIENCY OF FACTUAL REPORTING and or process of reporting then said allegations are unfit and therefore CAN NOT be LEGALLY reported. Tort law is quite clear in this matter! You have NO MORE THAN 5 days to DELETE the ITEM and provide me with written verification of that DELETION for my records.

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 2024-12-06 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: CA

Complaint narrative:
I am shocked to find unauthorized information included in my credit report. This blatant error is unacceptable and has caused unnecessary harm to my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 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: FL

Complaint narrative:
Its outrageous that accounts in litigation are still on my credit report, damaging my credit score due to your inaction. Ive reached out repeatedly to correct this error, yet no action has been taken.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-06 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: NH

Complaint narrative:
I submitted a dispute to Experian regarding a fraudulent account associated with KIKOFF XXXX XXXX XXXX  XXXX ) on my credit report on XX/XX/24. Along with my dispute, I provided all required documentation, including a valid identity theft affidavit, Proof of address, A copy of my government-issued identification, and additional evidence linking me to a data breach. 

Despite fulfilling all requirements, Experian FAILED to block the fraudulent account within the four-business-day timeframe mandated by the Fair Credit Reporting Act ( FCRA ) 605B. Instead, Experian informed me that the account was " verified '' without disclosing the sources or evidence used to substantiate this verification. I've attached 2 prior CFPB complaints to this as proof of my attempts to resolve the fraudulent account.

When I called Experian and spoke with supervisors, I was informed that a manual block would not be performed because the account was allegedly ineligible for such action due to their " policy. '' This reasoning is not aligned with the requirements under FCRA 605B. I am now resubmitting the documents in an effort to have the fraudulent account removed within 4 days.

Under 605B of the FCRA, credit reporting agencies must block information identified as resulting from identity theft within four business days of receiving valid documentation. Experian 's failure to meet this legal obligation constitutes a violation of federal law.

Experian has not provided sufficient evidence or transparency regarding their claim that the disputed account was " verified. '' Under 611 of the FCRA, credit reporting agencies are required to conduct a reasonable reinvestigation and provide consumers with detailed information about their findings, including the entities or furnishers relied upon. Experian 's failure to comply with this requirement undermines my rights to accurate credit reporting.

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 2024-12-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
fraud on credit report. incorrect information on credit report please remove

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-06 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: NH

Complaint narrative:
I submitted a dispute to Experian regarding a fraudulent account associated with XXXX XXXX XXXX XXXX XXXXXXXX ) on my credit report on XX/XX/year>. Along with my dispute, I provided all required documentation, including a valid identity theft affidavit, Proof of address, A copy of my government-issued identification, and additional evidence linking me to a data breach.

Despite fulfilling all requirements, Experian FAILED to block the fraudulent account within the four-business-day timeframe mandated by the Fair Credit Reporting Act ( FCRA ) 605B. Instead, Experian informed me that the account was " verified '' without disclosing the sources or evidence used to substantiate this verification. I've attached 2 prior CFPB complaints to this as proof of my attempts to resolve the fraudulent account.

When I called Experian and spoke with supervisors, I was informed that a manual block would not be performed because the account was allegedly ineligible for such action due to their " policy. '' This reasoning is not aligned with the requirements under FCRA 605B. I am now resubmitting the documents in an effort to have the fraudulent account removed within 4 days.

Under 605B of the FCRA, credit reporting agencies must block information identified as resulting from identity theft within four business days of receiving valid documentation. Experian 's failure to meet this legal obligation constitutes a violation of federal law.

Experian has not provided sufficient evidence or transparency regarding their claim that the disputed account was " verified. '' Under 611 of the FCRA, credit reporting agencies are required to conduct a reasonable reinvestigation and provide consumers with detailed information about their findings, including the entities or furnishers relied upon. Experian 's failure to comply with this requirement undermines my rights to accurate credit reporting.

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 2024-12-06 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: NH

Complaint narrative:
I submitted a dispute to Experian regarding a fraudulent account associated with XXXX XXXX XXXX XXXX XXXXXXXX ) on my credit report on XX/XX/year>. Along with my dispute, I provided all required documentation, including a valid identity theft affidavit, Proof of address, A copy of my government-issued identification, and additional evidence linking me to a data breach. 

Despite fulfilling all requirements, Experian FAILED to block the fraudulent account within the four-business-day timeframe mandated by the Fair Credit Reporting Act ( FCRA ) 605B. Instead, Experian informed me that the account was " verified '' without disclosing the sources or evidence used to substantiate this verification. I've attached 2 prior CFPB complaints to this as proof of my attempts to resolve the fraudulent account.

When I called Experian and spoke with supervisors, I was informed that a manual block would not be performed because the account was allegedly ineligible for such action due to their " policy. '' This reasoning is not aligned with the requirements under FCRA 605B. I am now resubmitting the documents in an effort to have the fraudulent account removed within 4 days.

Under 605B of the FCRA, credit reporting agencies must block information identified as resulting from identity theft within four business days of receiving valid documentation. Experian 's failure to meet this legal obligation constitutes a violation of federal law.

Experian has not provided sufficient evidence or transparency regarding their claim that the disputed account was " verified. '' Under 611 of the FCRA, credit reporting agencies are required to conduct a reasonable reinvestigation and provide consumers with detailed information about their findings, including the entities or furnishers relied upon. Experian 's failure to comply with this requirement undermines my rights to accurate credit reporting.

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 2024-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc.
State: NJ

Complaint narrative:
Dept of EDXXXX refuses to give me any information on an alleged account that's under my name.

according to 15 USC 1692G there are four things asked Aidvantage to send me about this alleged debt. 1.detailed list of the history of payments made by me on this account. 2. I want to see the signature that I put on a contract guaranteeing that I would pay this creditor.3.Im asking to see has any insurance claim file
d on this and lastly, I want proof that you have the chain of title to collect on this debt if you can not verify or send me these things I demand you remove this debt from my credit report under 15 USC 16 92g . they continue to report three different inaccurate reports in the same months to three different bureaus They refused and said they could not help me and are reporting three different things on my credit report violating my rights. I have submitted the proof of the cop XXXX XXXX of how its being reported

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 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: CA

Complaint narrative:
Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement.

As I know the creditor didn't notify me 21 days before with a statement so there should be no late payments on these accounts. I demand to see hard solid proof from the creditor bank account that I didn't pay and was marked late because this clearly a billing error.

The items below should all be updated to paid as agreed on my consumer report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: BTH Management
State: MD

Complaint narrative:
XXXX XXXX plaza Service I have not gotten in contact with no one at this company. Ive been trying to call but the phone just keep on ringing. I never get an answer. I never received the email. I never received the letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 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 seeking your assistance regarding an incorrect account appearing on my credit report. This issue has harmed my reputation as a customer, and I need your support. These accounts should be removed because they have been reported incorrectly and unfairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 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: LA

Complaint narrative:
I am writing to formally request the removal of fraudulent accounts and inquiries from my credit report. I am a victim of a data breach, and under the provisions of 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request that the following accounts and inquiries be blocked and deleted from my credit file. 
Fraudulent Accounts : XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$280.00} XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$750.00} XXXX XXXX XXXX XXXX  - XXXX - XX/XX/XXXX - {$73.00} XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$6100.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$1200.00} Fraudulent Inquiries : XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-06 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: LA

Complaint narrative:
I am writing to formally request the removal of fraudulent accounts and inquiries from my credit report. I am a victim of a data breach, and under the provisions of 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request that the following accounts and inquiries be blocked and deleted from my credit file. 
Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: Atlanticus Services Corporation
State: AK

Complaint narrative:
My checking account was charged {$1900.00} on XX/XX/year> XXXX by " ASPIRE XXXX XXXX GA XXXX XXXX ''. I alerted my bank that morning, canceled my debit card and initiated an investigation. Then I attempted to contact Aspire XXXX XXXX using their on-line form. After waiting 2 days for a response, I called their customer service number. They will give me no information about the charge. Meanwhile, my bank has charged me {$43.00} in overdraft fees for this fraudulent charge. 

XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation