vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-18 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:
Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on 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 2024-06-18 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: OH

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX acct : 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. it also states a consumer reporting agency can not furnish a account without my written instructions.

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 2024-06-18 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: OH

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX acct : 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. it also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I filed a dispute for inaccuracy regarding the account listed below and pursuant to FCRA Section 611 Procedure In Case of Disputed Accuracy on XX/XX/2024, XX/XX/2024 via Experian 's online Portal and regular mail. 

Experian acknowledged receipt of my dispute and informed me that they would investigate. They were also provided with proof that the account has a XXXX balance. The dispute also asked Experian to explained how they verified inaccurately reporting late payments. 

Experian notified me that the item was " verified and updated '' even though the inaccurate information ( balance, late payments ) are still reporting : XXXX Account # 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 2024-06-18 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: TX

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2024-06-18 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2024-06-18 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: FL

Complaint narrative:
I have provided all four pieces of information and expect these listed accounts to be deleted and blocked within four business days of your receipt of this notice ; otherwise, you are in violation of my rights under the FCRA once again! If you do not initiate an investigation regarding my dispute and delete this information within 4 business days of receiving this notice per 15 USC 1681c-2, as is my right under the FCRA, I will have to take legal action to protect my credit rating and myself. Each violation of the FCRA allows for damages of {$1000.00} should this matter be brought to court. 15 U.S. Code 1681n ( a ) ( 1 ) ( A ) essentially states that if a person willfully violates any requirement of the FCRA with respect to a consumer, they are liable to that consumer for any actual damages suffered as a result. If actual damages can not be determined, the consumer can still receive statutory damages ranging from {$100.00} to {$1000.00}. This provision ensures that consumers are protected and have recourse if their rights under the FCRA are willfully violated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-18 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 just recently looked at my credit report from experian and transuion on XXXX XXXX i saw some hard inquiries that did not have permissible purpose. i also attached evidence 1. [ XXXX XXXX XXXX XX/XX/XXXX ]. 
2. [ XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ]. 
3. [ XXXX XXXX XXXX XX/XX/XXXX ]. 
4. [ XXXX XXXX XXXX XXXXXX/XX/XXXX ] 5. [ XXXX XXXX XX/XX/XXXX ] 6. [ XXXX XXXX XX/XX/XXXX ] 7. [ XXXX XXXX XX/XX/XXXX ] 8. [ XXXX XXXX XXXX XX/XX/XXXX XXXX 9. [ XXXX XXXX XXXX XX/XX/XXXX ] 10. [ XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ] 11. [ XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ] 12. [ XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX ] 13. [ XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ] 14. [ XXXX XXXX XXXX XX/XX/XXXX ] 15. [ XXXX XXXX XXXXXX/XX/XXXX ] 16. [ XXXX XXXX XXXX XXXXXX/XX/XXXX ] 17. [ XXXX XXXX XXXXXX/XX/XXXX ] 18. [ XXXX XXXX XXXX XX/XX/XXXX ] 19. [ XXXX XXXXXX/XX/XXXX ] These inquiries have no permissible purpose to be on my report. Delete all inquiry due to violation of 15 USC 1681 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 explanation
Consumer complaint received 2024-06-18 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: ALLY FINANCIAL INC.
State: AZ

Complaint narrative:
I financed a vehicle on XX/XX/year> in which I was in person and provided my identification and authorization to run my credit at that time. However, the dealership I financed at has my lender Ally appearing on my credit inquiries on XX/XX/XXXX and XX/XX/XXXXXXXX XXXX XXXX I absolutely did not consent to that.

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 2024-06-18 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: TX

Complaint narrative:
PLEASE BLOCK AND REMOVE Kindly remove this unauthorized account from my credit report, as it does not pertain to me. I request an immediate investigation to correct any other inaccuracies present.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-18 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: GA

Complaint narrative:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Experian credit bureau is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update them immediately in my report : 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 explanation
Consumer complaint received 2024-06-18 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: TX

Complaint narrative:
PLEASE BLOCK AND REMOVE Kindly remove this unauthorized account from my credit report, as it does not pertain to me. I request an immediate investigation to correct any other inaccuracies present.

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 2024-06-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: ID

Complaint narrative:
I contacted Amex on XX/XX/XXXX to open a dispute about a purchase I made on XX/XX/XXXX of XXXX. I purchased a bluetooth joystick that was marketed as being compatible with XXXX devices ( XXXX devices ) and that was specifically marketed as being compatible with XXXX XXXX which was the version of XXXX I was running. 

After multiple hours of troubleshooting the device via the sellers XXXX I could never get it to work. I was asked to block a bunch of domain servers/ip addresses coming from XXXX. I was also asked to disable tons of system services including find my XXXX, location services, and so-on. I was also asked to disable wifi, cellular, and uninstall a bunch of applications. All of this was XXXX absurd, but I went along with it and still couldn't get the device to work. 

Amex refuses to do anything about it stating I need to jump through more hoops with the seller. Are you XXXX kidding me? Really? This is absolutely bonkers. All of this to get a bluetooth joystick ( a controller! ) to work. None of this was mentioned on the website. It was suppose to just connect and work. 

Ref. XXXX My name is XXXX XXXX XXXX My Phone number is XXXX. The above is my reference number for a dispute Amex closed and refused to reopen or do anything about.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My Experian report has inaccurate items and I have already notified Experian several times of these inaccuracies. All these charged-off accounts are reporting past due balances but a charged-off account is a closed account and can not report a past due balance.

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 2024-06-19 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: MA

Complaint narrative:
naccurate and unlawful account. It has several late payments which are arroneus. The information listed is not aligned whit the other bureaus. This is a big violation of FCRA, please verify these late payments that you claim I did commit. SEND ME documents such as contracts, billing statements, signed agreements and the representatives you spoke whit who verified it WITH AN affidavit. If the requested documents are not met. Please remove these erroneous and unlawful late payments on my payment history like Experian and XXXX did. 

I DID MY RESEARCH AND HERE ARE THE LAWS YOU ARE VIOLATING : 15 U.S. Code ss 1681e ( b ), it's crucial that consumer reporting agencies take reasonable steps to ensure the highest possible accuracy of the information concerning an individual in their reports. 

15 U.S. Code ss 1681 e ( b ), it is stated that when a consumer reporting agency prepares a consumer report, it must follow reasonable procedures to ensure the highest possible accuracy of the information concerning the individual. 
I am fully aware the under 15 U.S. Code ss 1681i ( 5 ), it is stipulated that if, after a reinvestigation, any disputed information is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must promptly delete or modify that information accordingly and notify the information furnisher of the changes. 

15 U.S. Code 1681s-2, specifically, the Responsibilities of furnishers of information to consumer reporting agencies, it is noted that within 30 days, you did not properly indicate that this account was under dispute, thereby resulting in a violation of this provision. 

15 U.S. Code 1682n ( b ) civil liability of a natural person I've been violated. 
My disputes are detailed and directly related to the accounts in question. A template response WILL NOT BE acceptable response. If, within 15 days after your investigation, you are unable to provide me with verifiable proof, you are obligated to remove erroneous and unlawful late payments on my payment history. Listed below These account should not reflect as negative : XXXX. XXXX XXXX # XXXX YOU ARE NOT reporting 100 % correctly. You are violating FCRA. DELETE the late payments on my payment history ASAP. 

SEE PICTURES UPLOADED

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 2024-06-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Early Warning Services, LLC
State: OH

Complaint narrative:
A relative sent me money via Zelle from a XXXX branch in Florida to a XXXX branch in Ohio. My Zelle account was linked to my phone, and I received an XXXX confirming the transfer. However, after over 4 hours of phone support, including calls to Zelle, corporate XXXX phone support and an in-person branch visit, no one could tell me which checking account is linked to this Zelle profile XXXX They refused, citing either lack of information or privacy concerns. I deleted and reattached the connection to my actual account through the SMS link, but the branch confirmed that none of my accounts received the money. XXXX says Zelle has the information ; Zelle says XXXX has it. This is not my first negative experience with XXXX being uncooperative and obstructive. In my last encounter, they cancelled an overseas wire transfer, but failed to tell me about it. They kept the money " on hold '' and I did not find out about it until the intended recipient complained. I AM CLOSING ALL CONTACT WITH XXXX XXXX. THEY ARE A MENACE. This bank is too big for oversight and act as if they are not accountable to anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-18 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:
Trans-union , the consumer reporting agency HQ in XXXX and Illinois, AND XXXXXXXX XXXX  XXXX is intentionally violating the law and FCRA and credit laws of the US, by stating on my credit report that I am not paying my mortgage to XXXX XXXX !! Transunion illegally and unethically obtained my property information ( not mortgage payment ) and then DROPPED MY CREDIT XXXX SCORE BY OVER XXXX POINT FOR NO REASON!! I HAVE PAID MY MORTGAGE ON TIME FOR OVER TWO YEARS NOW AND THE BALANCE DECREASES BY OVER XXXX $ EACH MONTH! Instead, transunion makes it appear that I have paid NOTHING on my mortgage and keeps my XXXX credit score artificially low!! I'm a XXXX person and veteran and you are a dirty awful evil company that is preventing me obtaining any credit by your lies and falsehoods! Transunion perpetually lies on this complaint I file stating its " his ability to obtain his credit report! '' versus fixing my credit report and score! The second trust from florida hometown heros is NOT part of my mortgage and should NOT be reporting as a XXXX $ balance than my XXXX XXXX  mortgage! Stop lying transunion and report my balance accurately and raise my credit score and my mortgage balance decreasing XXXX $ every month!! I have reported Trans union to the Florida Attorney generals office!

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 2024-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CLGF Holdco 1, LLC
State: NV

Complaint narrative:
I received an alert from the credit bureau that my address had been changed. I didnt know such thing. After researching, I found that the address that was changed was my mother-in-laws address in Texas. I live in XXXX XXXX. Ive had the same address for XXXX years. XXXXXX/XX/XXXXXXXX, XXXX XXXX, NV XXXX. 
By changing my address at XXXX and the other credit bureaus mail has been forwarded to my mother-in-laws address in Texas. My credit score dropped XXXX points because they closed my card when I made an inquiry of why they changed my address. Ive been with them sinceXX/XX/XXXX, which is milestone credit card, never missed a payment or had a problem. All I asked was that they would take that address off of my account and at the credit bureau. In response, they canceled by credit card and reported closed. How do I get my address put back on the credit bureau?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-18 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: CA

Complaint narrative:
Account # XXXX This complaint is a REBUTTAL to a response from XXXX XXXX XXXX dated XX/XX/year> regarding a dispute on the above account & also previous disputes regarding this account. 

You've responded to my previous DISPUTES with a statement stating that you have reported accurate information to my CONSUMER REPORT. First of all I have never asked if you are reporting accurate information! The LAW in 15 U.S.C. 1681a ( d ) ( 2 ) ( a ) ( 1 ) is very SPECIFIC. You are reporting a transaction on this account that CONGRESS defined in the consumer report where TRANSACTIONS or EXPERIENCES are NOT included in the consumer report. I never asked about ACCURACY, please stop providing me with information I did not ask for.

''15 U.S.C. 1681a ( d ) ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 624, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; " This is a specific section of the LAW that speaks SPECIFICALLY that TRANSACTIONS or EXPERIENCES between the CONSUMER ( I, XXXX XXXX ) and XXXX XXXX XXXX are NOT included on the CONSUMER REPORT. Maybe you will need to re-read this section of the LAW or send this over to your legal department immediately. 

" 15 U.S.C. 1681n ( a ) In general. Any person ( CORPORATION ) who willfully fails to comply with any REQUIREMENT imposed under this title with respect to any CONSUMER is liable to that consumer in an amount equal to the sum of " - XXXX XXXX XXXX  is a CORPORATION - 15 U.S.C 1681a ( d ) ( 2 ) ( a ) ( 1 ) is a REQUIREMENT This is my FINAL dispute/rebuttal or letter of communication regarding this matter. If you persist to report information on my consumer report that is NOT included in my consumer report based on the guidelines of the FCRA, I will have no choice but to SUE you under section 1681n for CIVIL LIABILITY for WILLFUL NON COMPLIANCE. 

I DO NOT CONSENT TO THE REPORTING OF SUCH UNLAWFUL INFORMATION TO 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