vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-01 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: OH

Complaint narrative:
It's been over 30 days and the creditor has not updated the information nor has provided proof or documentation in regards to a late payment. They have not supplied this information and they must delete the alleged. Make payments on my credit report. Under federal law, they had 30 days to complete the investigation, and by failing to do so, the item must be deleted from the report as soon as possible. Fair Credit Reporting Act this creditor has violated my rights under 15 year C 1681 section 602 states I have the right to privacy, 15 USC 1681 section 604 A section 2 and also states a consumer reporting agency. They're not functioning in the car without my written instructions under 15 USC 1666 BA creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. This is one of many times we have addressed this situation over. These accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX are not complete and accurate

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-01 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
It's been over 30 days and the creditor has not updated the information nor has provided proof or documentation in regards to a late payment. They have not supplied this information and they must delete the alleged. Make payments on my credit report. Under federal law, they had 30 days to complete the investigation, and by failing to do so, the item must be deleted from the report as soon as possible. Fair Credit Reporting Act this creditor has violated my rights under 15 year C 1681 section 602 states I have the right to privacy, 15 USC 1681 section 604 A section 2 and also states a consumer reporting agency. They're not functioning in the car without my written instructions under 15 USC 1666 BA creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. This is one of many times we have addressed this situation over. These accounts XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX are not complete and accurate

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 2024-06-01 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: OneMain Finance Corporation
State: NJ

Complaint narrative:
I was giving XXXX XXXX {$200.00} every month and they fix the problem and now everythings coming back to set me an a corner trap is like the Law firms scamming where I do when it comes to me getting a job

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
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: MO

Complaint narrative:
I strongly request the immediate removal of this late payment from my account, as it does not accurately depict my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Kindly update my account promptly.

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 2024-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I strongly request the immediate removal of this late payment from my account, as it does not accurately depict my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Kindly update my account promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-01 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: AZ

Complaint narrative:
Jefferson Capital XXXX XXXX is lying about {$2300.00} on my credit file. This isnt my debt and they will not remove it. They will not send me proof on why they believe I owe this debt. I they are also lying that they are the order debtor. How can that be if they are a collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-01 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: Experian Information Solutions Inc.
State: NM

Complaint narrative:
Upon meticulously reviewing my credit report, I was disheartened to uncover a multitude of inaccuracies on my account. These errors, far from being mere oversights, significantly undermine my creditworthiness, a matter that I trust the credit bureaus to rectify promptly and thoroughly. I am explicitly requesting an immediate and comprehensive investigation into the following account : XXXX XXXX XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: R&M Marketing Associates LLC
State: NY

Complaint narrative:
Debt Advisors of America sent me unsolicited and unwelcomed offer to lend to settle credit card debt. Notice XXXX of XX/XX/year>. Perhaps XXXX sold my information to collect a payment. All payments to discover are current and in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-01 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: MD

Complaint narrative:
I pulled my reports and noticed some unauthorized inquiries that were not initiated by me. Please remove as a results of identity theft.

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 2024-06-01 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: 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. 

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, has violated my rights. 

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 explanation
Consumer complaint received 2024-06-01 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:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-01 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:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from 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 explanation
Consumer complaint received 2024-06-01 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: IN

Complaint narrative:
I did not permit this inquiry, and I have not had any contact with this lender on the date mentioned.

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 2024-06-01 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: IN

Complaint narrative:
I did not permit this inquiry, and I have not had any contact with this lender on the date mentioned.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-01 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: IN

Complaint narrative:
I did not permit this inquiry, and I have not had any contact with this lender on the date mentioned.

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 2024-06-01 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: MS

Complaint narrative:
XXXX XXXX XXXX XX/XX/year> I am requesting this inquiry be thoroughly investigated and removed once found to be fraudulent. I did not authorize this inquiry. I have never heard of XXXX XXXXXXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-01 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: CA

Complaint narrative:
Hello! I tried calling Equifax earlier today but was unable to get reporting issue resolved I think I was misunderstood. My Equifax score 2 days ago days ago was XXXX and as of XXXX it changed to XXXX it decreased over XXXX points and I cant figure out why. I looked to review any changes via XXXX XXXX and it stated there were over XXXX remarks added! How is it that, that many remarks were added in such short period of time and non are collections or anything of that nature and my score dropped that much. I have been diligent with my credit and this is the second time this happened where some data is being pulled and my score drops over XXXX points. The first time was back in XXXX and it had since, been resolved but now it happened again. Please, review as my score prior to this data error was XXXX and now has dramatically impacted me. Please review my Equifax report from XXXX and XX/XX/year> and update my scores as they were prior to the data error as this is a misrepresentation of me. Please update immediately as this is an error and go back to my report prior to XXXX to update as it was. Thank you in advance for your help in this matter! Again, there are no reasons that I am aware of where my score would have dropped that way. Again, I appreciate your assistance in this matter, as this is negative way affecting me since its happened in the past I tend to keep monitoring my report for discrepancies and thankfully, I do as this is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-01 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: FL

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from 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 2024-06-01 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: FL

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-01 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:
This consumer reporting agency is also in violation of 15USC 1681b ( a ) 3 ( f ) ( i ) for allowing the following person ( s ) to obtain my Experian Report without my written authorization and permissible purpose under the Fair Credit Reporting Act and its guidelines which is a direct result of IDENTITY THEFT and not in METRO 2 COMPLIANCE.

A person shall not use or obtain a consumer report for any purpose unless : 1 ) The Consumer Report is obtained for a purpose for which the consumer report is authorized to be furnished under this section.

According to 15USC 1681 ( b ) c ) Furnishing Reports in connection with credit or insurance transactions that are not initiated by the consumer ( 3 ) Information regarding inquires ; Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish any record of inquires in connection with a credit or insurance transaction that is not initiated by a Consumer. 

According to the law referenced, EXPERIAN must remove the following unauthorized inquires that were pulled from my report without my written authorization and permissible purpose Immediately : Person XXXX XXXX XXXX XXXX  Date Of Inquiry : XX/XX/2024 Person : XXXX  XXXX XXXX Date Of Inquiry : XX/XX/2024 Person : XXXX XXXX XXXX  Date Of Inquiry : XX/XX/2024 Person : XXXX XXXX XXXX Date Of XXXX XXXX XX/XX/2024 Person : XXXX XXXX XXXX XXXX Date Of Inquiry : XX/XX/2024 According to 15USC1681 ( e ) it is your obligation as a consumer reporting agency to ensure MAXIMUM ACCURACY of my report by making each person or furnisher of data provide an original signed contract with written authorization I gave them to obtain a copy of my report.

THIS UNAUTHORIZED DATA IS A DIRECT RESULT OF IDENTITY THEFT PURSUANT TO 18USC1028 ( A ).

According to 15 USC 1681 ( b ) permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency MAY furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Provide the original consumer agreement with my signature that gave you written authorization. 
Please update my personal information on my Experian Consumer Report to the following immediately : Update Name : XXXX XXXX XXXX XXXX Current Address : XXXX XXXX XXXX XXXX XXXX, TX XXXX Update Employment : CEO of XXXX XXXX XXXX Please REMOVE THE FOLLOWING PERSONAL DATA FROM MY CREDIT PROFILE : INACCURATE NAMES : XXXX XXXX XXXX, XXXX XXXX INACCURATE EMPLOYMENT : XXXX XXXX XXXX  ( SELF EMPLOYED ), XXXX INACCURATE ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
1st of all XXXX and the reporting agencies did not get my consent in any form to share my information with any parties! The information is inaccurate and furthmore they are acting as though they are representing me. Under the FCRA USC 15. 1681 ( B2 ) what they have some is illegal.They show accountants that is well over 7 years! They have statements indicating that they had consulted with the dark web to ascertain my emails XXXX/XXXXXXXX. Most of the addresses are in error are have been misconstrued. Some of these accounts are in litigation. It's all wrong fouled up!

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 2024-06-01 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: AZ

Complaint narrative:
1st of all XXXX and the reporting agencies did not get my consent in any form to share my information with any parties! The information is inaccurate and furthmore they are acting as though they are representing me. Under the FCRA USC 15. 1681 ( B2 ) what they have some is illegal.They show accountants that is well over 7 years! They have statements indicating that they had consulted with the dark web to ascertain my emails XXXX/XXXXXXXX. Most of the addresses are in error are have been misconstrued. Some of these accounts are in litigation. It's all wrong fouled up!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX This is considered a RE : Investigation and not a duplicate complaint for the same issues. I have included updated information ; and also advised of failures that are still affecting current consumer report. 
Please delete account XXXX XXXX Account # XXXX for violations of FCRA Section 623 for Failure to enter Notice Of Dispute by XX/XX/XXXX You received my complaint on XX/XX/XXXX, XXXX XXXX is violating specific laws continuously 15 USC 1681 ( E ) ( B ) Accuracy of Report According to Cushman vs TransUnion 1997 TransUnion XXXX XXXX, and XXXX XXXX supposed to ensure MAXIMUM POSSIBLE ACCURACY. This account violates these laws 15 USC 1681 ( i ) ; 15 USC 1681S ( 2 ) ; 15 USC 1681 ( i ) 5 ; 15 USC 1681 ( E ) ( B )

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 2024-06-01 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: PA

Complaint narrative:
I am a victim of identity theft, and I did not make or authorize these hard inquiries on my credit report. I did not authorize these companies to run these credit checks. I am requesting that the hard inquires be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R. 226.13. See also 12 C.F.R. 226.12 ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
On Saturday, XX/XX/year>, via online chat with Citi, I requested that Citi stop trying to withdraw a payment of {$420.00} from my credit union. Previously they had attempted one such withdrawal, which failed, and then they charged me a {$30.00} fee. Then they made a second attempt. I requested that they stop and they refused. I asked if it was Citi 's intent to assess me 3 x {$30.00} = {$90.00} in fees. The question was left unanswered.

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