vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Can you update my address and name on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 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: Medical Business Bureau
State: IL

Complaint narrative:
I recently checked my credit report from Medical Business Bureau and the account listed below show Medical Business Bureau as the creditor. 

This company is NOT the creditor, I never contracted with them, and I sent certified letters to them and also XXXX XXXX XXXX XXXX XXXX XXXX to immediately correct my report and remove this account. Despite my previous disputes regarding the validity of this debt, this company has engaged in deceptive practices by tricking me into making a payment. The Fair Debt Collection Practices Act ( FDCPA ) and the Illinois Consumer Fraud and Deceptive Business Practices Act are to be enforced here. I sent them a certified mail on XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 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: FL

Complaint narrative:
RE : LATE PAYMENT To whom who may concern, I recently looked at my credit and noticed that some account have late payments during COVID-19. however I talked to these creditor and I should not have missed payment.

Under section 611 ( b ) of the Fair Credit Reporting Act, I am requesting that the following consumer statement be inserted in my credit report exactly as I have written it. I dispute the fairness of the late payments being reported on ALL MY account LISTED BELOW. These late payments are the fault OF THE CREDITORS that habitually mails my monthly statement to me after the date payment is due if it bothers to mail me a statement at all. Because I do not receive my billing statement in time and sometimes not at all, DURING THE PANDEMIC OF XXXX I have had no choice but to make payment after the due date. For this reason, there are numerous late pays associated with this account, and that is no fault of mine. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please send me an updated copy of my credit report once the above statement has been added.

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 2024-04-03 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: NY

Complaint narrative:
Dear XXXX XXXX Customer Service, I am writing to express my concern regarding a loan that was reportedly taken out for a flight to XXXX XXXX, which I did not take. I had requested the cancellation of this loan through a customer support representative, but unfortunately, the loan was not canceled, leading to missed payments with XXXX. 

I have since paid off the loan in full, despite not having taken the flight or benefited from it in any way. I kindly request that XXXXXXXX XXXX provide me with details regarding this flight that was charged to me and for which I had to pay XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I was unable to make the flight due to illness and had concerns about potentially transmitting the illness to others on the flight. Hence, I requested the cancellation of the flight. 

While the bill has been paid off in full, there are still negative items on my credit report that are adversely affecting my financial health. I would appreciate your assistance in resolving this issue and removing any incorrect negative reporting from my credit history. 

For your reference, here are the details of the payments made towards the loan : Total Loan Payments ( to date ) : {$650.00} Purchase Total : {$690.00} Initial Payment : - {$66.00} Down Payment : {$53.00} Origination Fee : {$12.00} Loan Amount : {$630.00} Interest Charged : {$82.00} Total Loan Payments : {$720.00} Remaining Payments : XXXX XXXXoan Payoff Balance : {$0.00} Principal Balance : {$0.00} Interest Balance : {$0.00} Thank you for your attention to this matter. I look forward to your prompt response and resolution. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 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: Uplift, Inc
State: NY

Complaint narrative:
Dear XXXX XXXX Customer Service, I am writing to express my concern regarding a loan that was reportedly taken out for a flight to XXXX XXXX, which I did not take. I had requested the cancellation of this loan through a customer support representative, but unfortunately, the loan was not canceled, leading to missed payments with Uplift. 

I have since paid off the loan in full, despite not having taken the flight or benefited from it in any way. I kindly request that XXXXXXXX XXXX provide me with details regarding this flight that was charged to me and for which I had to pay XXXX. 

Flight Details to XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXX XXXX I was unable to make the flight due to illness and had concerns about potentially transmitting the illness to others on the flight. Hence, I requested the cancellation of the flight. 

While the bill has been paid off in full, there are still negative items on my credit report that are adversely affecting my financial health. I would appreciate your assistance in resolving this issue and removing any incorrect negative reporting from my credit history. 

For your reference, here are the details of the payments made towards the loan : Total Loan Payments ( to date ) : {$650.00} Purchase Total : {$690.00} Initial Payment : - {$66.00} Down Payment : {$53.00} Origination Fee : {$12.00} Loan Amount : {$630.00} Interest Charged : {$82.00} Total Loan Payments : {$720.00} Remaining Payments : 0 Loan Payoff Balance : {$0.00} Principal Balance : {$0.00} Interest Balance : {$0.00} Thank you for your attention to this matter. I look forward to your prompt response and resolution. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 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: Atlanticus Services Corporation
State: NY

Complaint narrative:
In XX/XX/2023, a missed payment was incorrectly reported on my credit report by Fortiva. I contacted Fortiva 's customer service to address this issue, and I was informed that they had reached out to the credit bureaus to have the missed payment removed from my credit report. Despite this assurance, I am seeking confirmation that the necessary corrections have been made to accurately reflect my payment history. 

I request that the involved companies provide written documentation confirming the removal of the erroneous missed payment from my credit report and ensure that my credit history is accurately reported. Additionally, I would like to know what steps are being taken to prevent similar errors in the future.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
After examining my credit report, I observed inaccuracies in the listed accounts

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 2024-04-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Public record information inaccurate
Company: CarMax, Inc.
State: NV

Complaint narrative:
I tried reaching to Carmax in XX/XX/2024 about getting this vehicle removed off my credit but I have not heard back and I am unable to get the proper number for them to get to the correct dept as I filed a XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 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:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

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 2024-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Central Portfolio Control Inc.
State: GA

Complaint narrative:
Since I have never had a business relationship, I asked them by email for clarifying information. They in the credit bureau say that I owe them XXXX dollars and I have never had a business relationship with them. They also indicate that I have a delinquency that begins in XX/XX/2024, which if not I have a business relationship, even less do I have a payment commitment with said company. Name company is CENTRAL PORTAFOLIO CONT

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 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: TN

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-03 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: IL

Complaint narrative:
I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-04-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
XXXXXXXX XXXX XXXX were removed from my account without authorization. I have another qualifying Citi credit card with XXXXXXXX XXXX account. I had already requested XXXX XXXXXXXX XXXX  to be transferred to my other card with XXXXXXXX XXXX account so that they can be combined and avoid expiration.

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 2024-04-03 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 requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-03 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: PA

Complaint narrative:
I believe FCRA 605B mandates the elimination of erroneous entries from my credit dossier. Can you verify the records? Certain listed entries exhibit inaccuracies in reporting, including erroneous amounts and dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 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: PA

Complaint narrative:
It is my understanding that FCRA 605B obliges us to expunge any erroneous accounts from my credit file. Could you please inspect the paperwork? Several listed accounts contain inaccuracies in reporting, including incorrect amounts and dates.

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 2024-04-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Throughout my history with this account, I've consistently made sure payments are made promptly, never allowing them to fall behind schedule. I find myself uncertain regarding the rationale behind the presence of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Consistently, I've upheld the practice of making timely payments on this account, preventing any occurrences of overdue payments. The presence of late payment remarks on my accounts leaves me uncertain and seeking clarification. With regard to 15 USC 1666b - Billing Error, corrections are warranted.

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 2024-04-03 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: FL

Complaint narrative:
PLEASE REMOVE AND DELETE ALL UNAUTHORIZED FRAUDULENT INQUIRIES FROM MY PROFILE : XXXX XXXX XXXX. VIOLATION OF THE FRCRA

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 2024-04-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
I deposited a check 7 days ago waited the 7 days for it to clear, once it did I used some of my money to pay bills and debt but card was flagged for fraud they sent a text message asking if it was me I replied yes then they called me and asked me if I made the charges I said yes, she said ok everything 's good but they proceeded to flag my account as fraudulent and froze my account so I called talked to a rep and we went over every charge and I verified them and he said my account is good I can use my card so I tried and it didn't work so I called again and they proceeded to tell me that my account is frozen and while they investigate even tho I told them multiple times I made those charges and told me that I can't use my money and there's nothing o can do so I asked why they said they don't have that information so I said can u tell me the actual charge considered fraudulent they told me no they can't I asked for there name they would only give me a first name and would not provide a employee id then hung up on me so I called numerous times asked for the same information, everytime was meet with the same answer

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 2024-04-03 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: MI

Complaint narrative:
Under the FCRA I have the right to appeal information that is incorrect and the result of fraudulent activity. These hard inquiries are not correct and are fraudulent % 100. This has completely been a violation of the FCRA. 

All HARD INQUIRES LISTED BELOW TO BE REMOVED IMMEDIATELY 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

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 2024-04-03 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: FL

Complaint narrative:
XXXX XXXX XXXX I am writing to dispute and bring to your attention an issue regarding the unauthorized disclosure of my Nonpublic Personal Information, as protected under 15 U.S.C. 6802. 

I recently became aware that my personal information, which is supposed to be held in strict confidence by your institution, has been disclosed without my consent. The nature of the disclosure raises concerns about the privacy and security of my financial information. 


The details of the unauthorized disclosure are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Im again requesting that your institution conducts a thorough investigation into this matter and takes appropriate actions to rectify the situation because under the 15 U.S. Code 6802 section b, it states, a financial institution may not disclose non public personal information to such financial institution or any nonaffiliated third party unless, ( a ) Such financial institution clearly and conspicuously discloses to the Consumer, in writing or in electronic form or other form permitted by the regulations prescribe under section 6804 of this title, that such information may be disclosed to such third party. 

( b ) The consumer is given the opportunity, before the time that such information is initially disclosed to institution and such parties ; and ( c ) The consumer is given and explanation of how the consumer can exercise that nondisclosure option. 





I am also requesting that you provide me with a written response detailing the findings of your investigation and the steps taken to address the situation. Additionally, I would appreciate information on how your institution plans to enhance its safeguards to ensure the privacy and security of my Nonpublic Personal Information.

Again, Ive carefully reviewed my consumer report and identified the above-mentioned accounts as Nonpublic Personal Information. the information provided in relation to those accounts are erroneous. 

I appreciate your prompt attention to this matter and expect a fair resolution. I trust that consumer reporting agency will take appropriate action to delete the erroneous entry from 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 2024-04-03 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: AL

Complaint narrative:
I hAVE DISPUTED THE SAME ACCOUNTS FOR 5 MONTHS. aLL THEY HAVE DONE IS UPDATD DATES AN BALANCES. aLL INCORRECT INO IS STILL THERE

Company response to consumer: Closed with non-monetary relief