vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
2. Revolving Accounts Revolving accounts are those that generally include a credit limit and require a minimum monthly payment, such as credit cards. 
2.1 XXXX  XXXX ( CLOSED ) Summary Your debt-to-credit ratio represents the amount of credit you're using and generally makes up a percentage of your credit score. It's calculated by dividing an account 's reported balance by its credit limit. 
Account Number XXXX XXXX Reported Balance {$230.00} Account Status CHARGE_OFF Available Credit Account History The tables below show up to 3 years of the monthly balance, available credit, scheduled payment, date of last payment, high credit, credit limit, amount past due, activity designator, and comments. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$220.00} {$270.00} XXXX {$230.00} XXXX Available Credit Year XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Scheduled Payment Year XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$31.00} {$48.00} XXXX XXXX Actual Payment XXXX XXXX | XXXX XXXX, XXXX Review this summary for a quick view of key information contained in your Equifax Credit Report. 
Report Date XXXX XXXX, XXXX Credit File Status No fraud indicator on file Alert Contacts 0 Records Found Average Account Age 3 Years, 1 Month Length of Credit History 6 Years, 2 Months Accounts with Negative Information 10 Oldest Account XXXX XXXX ( Opened XX/XX/XXXX ) Most Recent Account XXXX ( Opened XX/XX/XXXX ) Credit Accounts Your credit report includes information about activity on your credit accounts that may affect your credit score and rating. 
Account Type Open With Balance Total Balance Available Credit Limit Debt-to-Credit Payment Revolving XXXX XXXX {$0.00} {$3300.00} {$3300.00} XXXX XXXX {$0.00} Mortgage Installment XXXX XXXX Other XXXX XXXX Total XXXX XXXX {$0.00} {$3300.00} {$3300.00} XXXX XXXX {$0.00} Other Items Your credit report includes your Personal Information and, if applicable, Consumer Statements, and could include other items that may affect your credit score and rating.

Consumer Statements 0 Statements Found Personal Information 5 Items Found Inquiries 37 Inquiries Found Most Recent Inquiry XXXX XXXXEQUIFAX XX/XX/XXXX Public Records 0 Records Found Collections 0 Collections Found XXXX XXXX XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-06 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: SC

Complaint narrative:
2. Revolving Accounts Revolving accounts are those that generally include a credit limit and require a minimum monthly payment, such as credit cards. 
2.1 XXXX XXXX ( CLOSED ) Summary Your debt-to-credit ratio represents the amount of credit you're using and generally makes up a percentage of your credit score. It's calculated by dividing an account 's reported balance by its credit limit. 
Account Number XXXX XXXX Reported Balance {$230.00} Account Status CHARGE_OFF Available Credit Account History The tables below show up to 3 years of the monthly balance, available credit, scheduled payment, date of last payment, high credit, credit limit, amount past due, activity designator, and comments. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$220.00} {$270.00} XXXX {$230.00} XXXX Available Credit Year XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Scheduled Payment Year XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$31.00} {$48.00} XXXX XXXX Actual Payment XXXX XXXX | XXXX XXXX, XXXX Review this summary for a quick view of key information contained in your XXXXXXXX XXXX XXXX 
Report Date XXXX XXXX, XXXX Credit File Status No fraud indicator on file Alert Contacts 0 Records Found Average Account Age 3 Years, 1 Month Length of Credit History 6 Years, 2 Months Accounts with Negative Information 10 Oldest Account XXXX XXXX ( Opened XX/XX/XXXX ) Most Recent Account XXXX ( Opened XX/XX/XXXX ) Credit Accounts Your credit report includes information about activity on your credit accounts that may affect your credit score and rating. 
Account Type Open With Balance Total Balance Available Credit Limit Debt-to-Credit Payment Revolving XXXX XXXX {$0.00} {$3300.00} {$3300.00} XXXX XXXX {$0.00} Mortgage Installment XXXX XXXX Other XXXX XXXX Total XXXX XXXX {$0.00} {$3300.00} {$3300.00} XXXX XXXX {$0.00} Other Items Your credit report includes your Personal Information and, if applicable, Consumer Statements, and could include other items that may affect your credit score and rating. 
Consumer Statements XXXX Statements Found Personal Information 5 Items Found Inquiries 37 Inquiries Found Most Recent Inquiry TRUSTED ID/XXXX  XX/XX/XXXX Public Records 0 Records Found Collections 0 Collections Found 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 2024-05-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I respectfully seek your comprehension regarding the late remarks on my report, and I am fully dedicated to resolving them as per our agreement. My goal is to eliminate all the late remarks from my report, and I am enthusiastic about upholding a favorable record with your organization.

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 2024-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED Please eliminate these deceptive accounts from my credit report, as I never authorized their creation. Kindly delete this incorrect entry.

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 2024-05-06 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I sent certified letter to these company and have not gotten any respond or information. It has been a little over a week.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
These inquiries need to be taken off. I have no knowledge about them, and the company acted without my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 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:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

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 2024-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I submitted a complaint on XX/XX/year> via CFPB regarding an account being furnished on my credit report which lists your company as the original creditor. In my dispute, I stated that I had no recollection of having an account with XXXX XXXX XXXX and requested debt validation. I further stated that all correspondence should be sent via CFPB for legal proceedings and for the simple fact that I do not have a mailing address that I feel comfortable giving this company. The company responded to CFPB complaint XXXX ignoring my request stating that information will be sent directly to me. There is no possible way for me to receive ay correspondence from your company via mail. This is my last resort. If the requested information is not sent via CFPB within 7days, I will have no choice but to further seek my options in small court.

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 2024-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am bringing this to your attention a matter regarding the denial of securities by XXXX XXXX, which I believe constitutes a violation of my rights under the Equal Credit Opportunity Act ( ECOA ). 

Recently, I submitted a registered security to XXXX XXXX, as per their requirements. However, my application was denied based on information provided by Transunion. It is pertinent to note that this denial occurred despite my XXXX XXXX  XXXX, and XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX which should not be grounds for refusal of access to my securities. 

I firmly believe that denying access to my credit, particularly in the context of securities transactions, constitutes a form of security fraud. This action directly contradicts the principles outlined in the ECOA, which mandates equal access to credit without discrimination based on factors such as race, color, religion, national origin, sex, marital status, age, or because the applicant receives income from a public assistance program. I am seeking compensation for the denial of my securities by Transunion. I believe that such compensation is warranted given the violation of my rights under the ECOA and the inconvenience caused by the denial. Furthermore, I urge the CFPB to investigate this matter thoroughly to ensure that such discriminatory practices are addressed and prevented in the future. 

It is imperative that financial institutions uphold the principles of fairness and equality as mandated by federal law. Thank you for your attention to this matter. I kindly request acknowledgment of receipt of this email and any necessary steps for addressing this issue.

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 2024-05-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
Company called me at XXXX XXXX  on Sunday 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 2024-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to bring to your attention several inaccuracies on my credit report that violate the Fair Credit Reporting Act ( FCRA ). Despite my efforts to dispute these errors with the credit reporting agencies on multiple occasions, they continue to persist. This situation poses a threat to my financial credibility and could potentially impede my access to credit. I urge the Consumer Financial Protection Bureau to promptly investigate this matter and ensure that the credit reporting agencies comply with the FCRA to safeguard consumers ' rights. Thank you for addressing this important issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 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:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

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 2024-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I would like to dispute an inaccurate, untrue, incomplete, untimely, not compliant, and/or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report. While studying my report, I have come across a number of mistakes and inaccuracies that you are reporting. Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, Metro 2 Format compliant or else wise compliant to every single one even each any and all of the regulations applicable laws and/or applicable standards of reporting of which you are undoubtedly mandated in your reporting obligation ( s ) to obey without default or deficiency of any sort.

The following challenged information is among such allegations of which each and one all require immediate deletion or removal from reporting otherwise. I demand rightfully that you do so today, even now and here! Below listed is the currently reported not yet proven valid nor demonstrated as being certifiably compliant reported allegation ( s ) of information that I mark as being in question.

Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX, XXXX, OH, XXXX Incorrect XXXX : - XXXX  Listed below are the Accounts that are being challenged XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX - XXXX Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be 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 2024-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Ensuring timely payments on this account has been a priority for me, ensuring they're never overdue. I'm unclear about the reasons behind the reports of late payment remarks on my accounts. As per 15 USC 1666b, billing errors should be corrected.

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 2024-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
This complaint is to formally advise NATIONAL CREDIT ADJUSTERS that I believe your company has violated my consumer rights in the following ways. Please keep in mind that this is my second dispute and I have had no correspondence back from your company in over 45 days. Specifically you : -Trying to collect a debt past the statute of limitations- FDCPA violation XXXX Failed to validate a debt at my request- FDCPA violation - Continued to report a disputed debt to the CRA- FCRA violation XXXX Continued to attempt to collect a disputed debt- FDCPA violation - Ignored my cease and desist- FDCPA violation Not only have you ignored my prior requests for validation of debt, but you also continue to report this debt to the credit bureaus causing damage to my character. The amount that is being reported to the credit bureaus is not the same balance that I have with the original creditor. This letter will again request that you follow guidelines of The Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 and please provide the following : Validation of Debt Request - Proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest and penalties -Provide me of the amount of which the debt was purchased. Per the CFPB, I have this right as a consumer. 

-Contract bearing my personal signature -License proof to collect debts in my state As you certainly are aware, \ '' Admission by Silence\ '' means that you had a legal duty to defend your position but failed to do so and if my claims were untrue, you would have been compelled to deny my charges. I will use the Admission by Silence in my defense should I be summoned to court or take action against you. I expect to receive proof requested above, within 15 days of this letter. Should you continue to ignore my request for this validation of debt I reserve the right to sue your company for violations of my consumer rights as indicated under both the FDCPA and the FCRA. I may also seek damages from you if warranted. Kind regards,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am submitting this complaint to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-06 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: MD

Complaint narrative:
I recognize the importance of removing any inaccurate accounts from my credit report in accordance with FCRA 605B. Could you please review the documents? I've observed discrepancies in several listed accounts, which is troubling to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-06 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:
Talk to the fraud department they told me send in a ftc report I did still did not removed all unknown inquiries listed below XXXX XXXX ( Finance ) XXXX ( Finance ) XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX  ( Bank ) XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX  ( Bank ) XXXX XXXX XXXX ( Auto XXXX XXXXXXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX XXXX ( Finance ) XXXX XXXX XXXX ( Bank ) XXXX XXXX XXXX ( Bank ) XXXX XXXX XXXX  ( Bank ) XXXX XXXX XXXX ( Auto ) XXXX XXXX XXXX ( Finance ) ( Finance ) XXXX XXXX ( Finance ) 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 2024-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: DISCOVER BANK
State: TX

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report it has been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation