vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-24 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: NC

Complaint narrative:
This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-24 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:
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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 2024-04-24 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: GA

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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX and list of Inquiries. 

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 2024-04-24 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: NY

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-24 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 writing to request the removal of the following student loans from my credit report : DEPT OF EDXXXX DEPT OF EDXXXXXXXX DEPT OF EDXXXX DEPT OF EDXXXX DEPT OF EDXXXX DEPT OF EDXXXX DEPT OF EDXXXXXXXX XXXX/DEPT OF ED XXXX I understand that under the XXXX XXXX Rights and Privacy Act XXXX XXXX ), student education records are protected and should not impact my credit history. According to 34 CFR Part 99, Subpart B, students have the right to inspect and review their education records. However, the presence of student loan information on my credit report violates this right and can negatively affect my financial standing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-24 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: GA

Complaint narrative:
I am writing to request the removal of the following student loans from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX I understand that under the Family Educational Rights and Privacy Act ( FERPA ), student education records are protected and should not impact my credit history. According to 34 CFR Part 99, Subpart B, students have the right to inspect and review their education records. However, the presence of student loan information on my credit report violates this right and can negatively affect my financial standing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Payfare International Inc.
State: NY

Complaint narrative:
I received a DasherDirect debit card through Payfare. Upon my first time trying to use this card, there was an error. Every time I have tried, it has been declined. I have the correct card information and have ample funds available. I have contacted support MANY times and have received XXXX help and XXXX answers, other than that my card has been suspended. Ive been told that it is unsuspended, but that was not true. I still can not access my funds or use my card.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-24 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: MS

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. 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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 2024-04-24 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: MS

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. 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX and list of Inquiries. 

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 th an  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 2024-04-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I've consistently made sure that payments on this account are made on time, avoiding any overdue situations. However, I'm puzzled by reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I believe that FCRA 605B necessitates the elimination of any erroneous accounts from my credit report. Would you mind examining the documents? Several of the recorded accounts are flawed concerning reporting, with inaccuracies in amounts and dates.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-24 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 would like all incorrect personal identifiers removed from my credit report. Please view the letter attached, the information labeled accurate is the only information that should be on my credit report. Please remove the previous addresses as they are incorrect also.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-24 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 would like all incorrect personal identifiers removed from my credit report. Please view the letter attached, the information labeled accurate is the only information that should be on my credit report. Please remove the previous addresses as they are incorrect also.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-24 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 am a victim of identity theft and submitted a disputed letter XX/XX/XXXX. Unfortunately, the actions taken thus far have not yielded the results mandated by federal law, specifically the Fair Credit Reporting Act ( FCRA ). 
As per my previous communication, I am a victim of identity theft, and there are several accounts listed on my credit report that I did not authorize or open. These fraudulent entries are significantly affecting my credit score and my ability to obtain credit. 
I have attached a copy of the police report as further evidence of the crime committed against me. Additionally, I have included a detailed list of the fraudulent accounts for your review and action. 
I am requesting the immediate removal of these unauthorized accounts from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Creditor XX/XX/XXXX( XXXX ) XXXX XX/XX/XXXX XXXXXX/XX/ATL( Original XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX U XXXX XX/XX/ATL( Original Creditor : XX/XX/XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX U XXXX DEPT OF XXXX  ( Original Creditor : XXXX XXXX ) ( EQ ) XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Original Creditor : XXXX XXXX ) ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) ( XXXX ) XXXX XX/XX/XXXX XXXX U XXXX XXXX XXXX XXXXL ( Original Creditor : XXXX XXXX ) ( XXXX ) XXXX XX/XX/XXXX XXXX U XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XX/XX/XXXX XXXX U XXXX DXXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) ( XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX  ) ( XXXX ) XXXX XX/XX/XXXX XXXX U XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX /XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX DEPT XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX FCRA, I am entitled XXXX have these inaccuracies corrected promptly. The continued presence of these fraudulent accounts is a direct violation of my consumer rights. 

Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-24 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA, XXXX XXXX Subject : Dispute and Request for Deletion of Inaccurate Collection Accounts Account Numbers : XXXX XXXX XXXX | Balance : {$9600.00} XXXX XXXX XXXX | Balance : {$3600.00} XXXX XXXX XXXX | Balance : {$3700.00} To whom it may concern, I am writing to bring to your attention the inaccuracies in the collection accounts reported on my consumer credit history. Upon careful review, it has come to my attention that the information provided does not comply with the Metro 2 standards, which are essential for ensuring the accuracy and completeness of consumer credit reports.

I would like to remind you of the requirements outlined in 15 U.S. Code 1681s2 ( a ), which states that a person shall not furnish any information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. I believe that the current reporting contains obvious errors that need immediate correction.

In accordance with 1006.34 Notice for validation of debts, I hereby request validation of the debts associated with the mentioned collection accounts. Please provide accurate and verifiable information to substantiate the validity of these debts. 

Furthermore, as a result of the inaccuracies and potential violations of federal law, I am no longer providing permissible purpose for the reporting of this account on my consumer report. Therefore, I kindly request the immediate deletion of the mentioned collection accounts from my credit report. 

I trust that you will address this matter promptly and take the necessary steps to rectify the inaccuracies in my consumer credit history. I appreciate your attention to this issue and your cooperation in resolving it. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-24 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: GA

Complaint narrative:
I have mailed XXXX and Experian regarding a reporting issue I recently descovered. According to my records they are reporting XXXX XXXX account # XXXX with missing information. The closing date doesnt match or its simply not being reported. Ive sent many letters to have this resolved to have a more clear and correct consumer report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-24 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BTH Management
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Plaza Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Validation of Debt Request Account Numbers : PLAZA SERVIC XXXX | Balance : {$9600.00} PLAZA SERVIC XXXX | Balance : {$3600.00} PLAZA SERVIC XXXX | Balance : {$3700.00} Dear Plaza Services, I am writing to formally request validation of the alleged debt associated with my account, identified by the account numbers PLAZA SERVIC XXXX, PLAZA SERVIC XXXX, PLAZA SERVIC XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX, I am entitled to receive verification of the debt you claim I owe. 

I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. 

Please provide the following information within the next 30 days : - The amount of the debt claimed. 
- The name of the original creditor. 
- A copy of the agreement, contract, or other instrument that created the debt. 
- Verification that you are licensed to collect debts in [ Your State ]. 

If any of the abovementioned information is not available, please provide an explanation as to why. 

Additionally, I request that all collection activities be ceased until the requested verification is provided. This includes any communication related to the alleged debt or any reporting to credit bureaus. 

Failure to comply with this request may result in legal action. Your cooperation in providing the necessary documentation is appreciated and will help resolve this matter promptly. 

Please send all correspondence regarding this matter to the address listed above. If you are unable to provide the requested information, kindly inform me in writing. 

Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
At the end of last month, Chase informed me that I was going to close my account. That night, I tried to communicate with them to ask why, but they said that they had closed my account, saying that they were investigating the fraud in my account, and told me that I would tell me the result after 10 working days, but I had been waiting for more than 20 working days. I still don't know why chase thought that my account would have fraud, my account was normal, and did not let me know how long the investigation time would be.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-24 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: CA

Complaint narrative:
I have diligently followed all the necessary procedures in disputing this account. I've contacted the bank, and they assured me the issue was resolved. Law enforcement has been involved, and I've provided a FTC report, which they confirmed as valid. Furthermore, XXXX and XXXX have complied with legal requirements and removed the account. However, Experian seems to be presenting obstacles, claiming I haven't completed all the necessary steps. Despite repeatedly submitting my claim to Experian for years now, I remain stuck. Each time, I receive a dismissive response, alleging that the documents I've provided are inadequate. It appears Experian is failing to fulfill its legal obligation to process the identity theft report even though the bank already removed the account from the other bureaus.I want to emphasize that I've reported the identity theft to a law enforcement agency, specifically FTC, a federal entity. 

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 2024-04-24 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: TN

Complaint narrative:
I recently reviewed a copy of my credit report and noticed that I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to get credit

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