vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-23 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: NC

Complaint narrative:
On XX/XX/XXXX, I utilized the Fair Credit Reporting Act ( FCRA ) Section 609 letter template, as stipulated by the law, to initiate a formal inquiry with TransUnion, one of the major credit bureaus, concerning inaccuracies on my credit report pertaining to three XXXX accounts. On XX/XX/XXXX, TransUnion sent a letter, via mail, both acknowledging the receipt of my FCRA-compliant letter and delivering the results. 

The results revealed that TransUnion had consulted with XXXX to include the current date and identified the balances on all three accounts as being PAST DUE. These accounts are incorrectly labeled as " past due, with {$0.00} per month being paid. We have been making on-time monthly payments of approximately {$2500.00} to XXXX since XX/XX/XXXX. Importantly, these accounts are current and up-to-date as outlined in the legally binding settlement and confirmed via adherence to the agreed-upon payment schedule. 

I argue this settlement is a mutual legal agreement between all parties involved, and in this case, XXXX had revised the loan amounts, which we had accepted. Since XX/XX/XXXX, we have been making monthly payments in accordance with this settlement agreement. As per the FCRA, credit reports should accurately reflect one 's credit history and current status, and TransUnion 's reporting of the current status of these accounts is incorrect, as it fails to acknowledge my on-time, recurring payments. Surprisingly, TransUnion chose to accept XXXX 's position without further inquiry or investigation. This practice contributes to numerous instances of misrepresented and inaccurate credit reports, and I firmly believe that credit bureaus should be held accountable for failing to exercise sound and fair judgment. This flawed system disproportionately affects lower and middle-class individuals, resulting in higher interest rates and loan denials. Furthermore, it often impacts employment prospects as employers frequently check candidates ' credit histories, thereby infringing on our right to economic liberty. 

Attached, you will find the following documents : 1. The FRCA letter sent to TransUnion on XX/XX/XXXX XXXX. The final dispute result from TransUnion, received via mail on XX/XX/XXXX - Part XXXX XXXX. The final dispute result from TransUnion, received via mail on XX/XX/XXXX - Part 2

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 2024-02-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Your failure to address my repeated requests to investigate and correct inaccurate information on my credit report is unacceptable and a clear violation of the Fair Credit Reporting Act. I am prepared to take legal action if necessary. I demand immediate compliance with the law. XXXX XXXX XXXX must be investigated and removed promptly. This is my final request before pursuing legal action.

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 2024-02-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC
State: MO

Complaint narrative:
This is regarding the account : NATIONAL CREDIT ADJUSTERS , LLC XXXX XXXX XXXX XXXX, XXXX, KS XXXX AMOUNT ( S ) : {$1500.00} ORIGINAL CREDITOR : XXXX XXXX  ORIGINAL DATE OPEN : XX/XX/2016 This is the third attempt requesting verification and documentation of the alleged debt. This account in violation 15 US CODE 1692g. Ive requested that you provide to me verification of this alleged debt. VERIFICATION CONSISTS OF A FORMAL DECLARATION. WHERE YOU SWEAR TO TELL THE TRUTHS OF THE STATEMENTS OF THE FACT OF THE MATTER, HAVE FIRST-HAND KNOWLEDGE AND MUST BE NOTARIZED. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the correspond-ing local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, regarding original documents, showing that I have ( or ever had ) some contractual obligation to pay NATIONAL CREDIT ADJUSTERS , LLC.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 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: GA

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 2024-02-23 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: Westlake Services, LLC
State: NY

Complaint narrative:
Subject : Cease and Desist Demand Regarding Unauthorized Credit Reporting Citations of Federal and New York FCRA Laws Dear WESTLAKE FINANCIAL SVC, I am reaching out to address a concerning issue involving the unauthorized inclusion of information on my credit report, which violates the provisions set forth by the Fair Credit Reporting Act ( FCRA ), specifically Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as pertinent New York state laws on identity theft and fraud. 

It has recently come to my attention that WESTLAKE FINANCIAL SVC has been reporting information to my credit report without procuring my explicit consent, a clear violation of federal law as delineated by the FCRA, Section 1681b ( a ) ( 2 ).

Furthermore, New York state law, in conjunction with FCRA regulations, emphasizes the imperative nature of consumer consent for such credit reporting activities. Specifically, the New York FCRA mandates consumer consent under Section [ insert relevant section here ]. Simultaneously, identity theft and fraud laws in New York, such as [ insert relevant New York Penal Code section ], underscore the seriousness of unauthorized access and misuse of personal information.

I want to emphasize unequivocally that I have not provided any form of consent for WESTLAKE FINANCIAL SVC to report any information to my credit report. This lack of explicit permission constitutes a blatant violation of my rights, potentially resulting in damage to my creditworthiness, and demonstrates a disregard for both federal and state laws. 

I demand, without reservation, that WESTLAKE FINANCIAL SVC immediately cease any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and relevant New York state laws. Failure to comply within the allotted 30-day timeframe will be considered as willful noncompliance, subject to penalties under applicable laws, including New York FCRA and identity theft statutes. 

It is crucial to understand that obtaining consent is not a discretionary matter but a legal obligation under these specific provisions of the FCRA, New York state law, and identity theft statutes. This is not a matter open for negotiation ; it is a demand for adherence to both federal and state regulations, which serve to safeguard consumers such as myself from unauthorized and detrimental credit reporting practices. 

I anticipate your immediate attention to this matter and expect that WESTLAKE FINANCIAL SVC will promptly rectify these infractions, thereby upholding my rights under federal and New York state laws. 

In good faith,

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 2024-02-23 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: TX

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX 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 2024-02-23 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: CO

Complaint narrative:
I received an AMEX gift card as a {$500.00} bonus/gift from my place of employment. Not as part of my compensation, just a gift for helping on a project but it keeps getting declined everywhere. 

There doesn't seem to be much my company can do to help with this issue. I've search online and it looks like a lot of people are having this issue with AMEX gift cards.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-23 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated
State: AZ

Complaint narrative:
I had made a purchase from XXXX on XX/XX/XXXX. The purchase had gone through and had been settled by XXXX as I contacted the merchant on several occasions to attempt to clear up a deposit that was placed in my account by Unemployment Insurance Arizona in the amount of {$640.00} on XX/XX/XXXX. I have received nothing but the run around regarding the funds that are being blocked for me to receive by a transaction initiated by the bank called a clearing report debit adjustment. I have been trying to have my money released for over 60 days and the bank continues to tell me that XXXX has these funds ; however XXXX states that they have released any authorization holds from my account and that was all that they could do on their end. 

On XX/XX/XXXX, I had a three hour conversation with a supervisor by the name of XXXX. XXXX refused to approve my dispute although during the phone call, he admitted that there was an error. He seemed to be very confused and to not be able to handle the situation. Therefore, I asked for it to be escalated and was told that he was the highest level for customer contact. This is my purpose for filing a complaint. I have filed a dispute with the bank that was denied the next day. There was no investigation done whatsoever, it was simply denied the next day. I contacted the bank to find out why it was denied and I was told to contact XXXX. When I contact XXXX, I am told to contact the bank because there is nothing that XXXX could do when it comes to removing transactions that is blocking me from being able to receive my deposit of {$640.00}. 

I have experienced several hardships behind this money being held and I was also appalled when transactions were read off to me by the banks supervisor thst I was unable to see on my bank statement. The representative told me that XXXX had replaced funds back into my account on XX/XX/XXXX ; however, I don't see that deposit on my bank statement. My ending balance as of XX/XX/XXXX was {$110.00} and I had used the card for some small purchases in XXXX that didn't take the account into the negative. These transactions brought the account to a {$0.00} balance as of XX/XX/XXXX. On XX/XX/XXXX, a deposit in the amount of {$640.00} was placed into the account by unemployment insurance ( Arizona ). All of a sudden, there were three transactions totalling over {$700.00} that the bank created that is preventing me from accessing my funds and no one seems to know what is going on. 

I feel as if I have exhausted all options at this point. I will need an organization that regulates these types of issues to assist with having my money that is being held to be be released as soon as possible. At this point, I would like some type of interest or something as my money has been sitting in that account against my will for over 2 months now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am formally notifying your company that unless the appropriate steps to rectify this situation are taken within 10 days, I will file a complaint with the FTC. Upon contacting the banks, I talked to someone within the company to confirm the documents had been received and they informed me that they never receive documents from the CFPB. Your legal obligation requires a response within 15 days, and failure to do so is a violation. Non-compliance may result in fines of up to {$1000.00}. I trust that upon receiving this letter, you will promptly address the issue. Please provide the investigation results for the following accounts : XXXX XXXX  XXXX XXXX Failure to cooperate will result in a complaint being filed within 10 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I hope this letter finds you well. I am writing to address the late payments listed on my credit report. Upon reviewing my credit history, I noticed that there are late payments reported for the accounts XXXX XXXX XXXX XXXX XXXX and 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 explanation
Consumer complaint received 2024-02-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I hope this letter finds you well. I am writing to address the late payments listed on my credit report. Upon reviewing my credit history, I noticed that there are late payments reported for the accounts XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I hope this letter finds you well. I am writing to address the late payments listed on my credit report. Upon reviewing my credit history, I noticed that there are late payments reported for the accounts XXXX XXXX XXXX XXXX XXXX and 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 2024-02-23 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: IA

Complaint narrative:
I am writing to express my dissatisfaction with the handling of fraudulent items on my account with Credit Bureau. Despite promptly reporting these fraudulent transactions, I am dismayed by the delay and inefficiency in their removal. I discovered unauthorized transactions on my account, which I immediately reported to your company 's customer service department. I was assured that swift action would be taken to investigate and remove these fraudulent items from my account. However, to my dismay, the process of removal has been unduly prolonged, causing me significant distress and inconvenience. As a valued customer, I expect timely and efficient resolution of such matters to safeguard my financial well-being and restore my confidence in your company 's services. The continued presence of these fraudulent items not only poses a threat to my financial security but also reflects poorly on your company 's commitment to customer satisfaction. I urge you to prioritize the expedited removal of these fraudulent transactions from my account and take proactive measures to prevent similar incidents in the future. Additionally, I request transparent communication regarding the steps being taken to address this issue and provide assurances of enhanced security measures moving forward. ailure to resolve this matter promptly will compel me to escalate my concerns to relevant regulatory authorities and explore alternative recourse to protect my rights as a consumer. I am asking for your assisstance to remove othese fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX XXXX Balance Owed : {$480.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$770.00} XXXX XXXX  XXXX Balance Owed : {$1200.00} XXXX XXXX XXXX, RI XXXX XXXX XXXX Balance Owed : {$480.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$770.00} XXXX XXXX  XXXX Balance Owed : {$1200.00} XXXX XXXX XX/XX/year> XXXX XX/XX/year>.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 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: NJ

Complaint narrative:
please see attached file

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 2024-02-23 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: 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 XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-23 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 non-monetary relief
Consumer complaint received 2024-02-23 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:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to dispute the fraudulent account that has been erroneously listed on my credit report. It has come to my attention that there is a fraudulent entry on my credit report, and I demand its immediate deletion. 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 2024-02-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to dispute the account on my credit report which I believe is fraudulent. Upon reviewing my credit report, I discovered an unauthorized account that had been opened without my knowledge or consent. The details of this fraudulent accounts as follows 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 explanation