vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-14 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: DE

Complaint narrative:
I am submitting this CFPB Complaint for the 1st time to follow up the addressing of the specific inquiries, in my file that have resulted from identity theft. I would like to dispute these inquiries as they do not pertain to any transactions I have authorized or been involved in, regarding the acquiring of goods, services, or money. I kindly request the Experian, XXXX, and XXXX Credit Bureaus will remove and block these specified remaining inquiries as a result of the alleged identity theft The Inquries are Bellow : 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 XXXX XXXX XXXX XXXX XXXX XXXX Once more, I am not familiar with these fraudulent inquiries, and I also have reservations about the accuracy of the information provided in some of them. It should be noted that certain inquiries have already been deleted by other bureaus, raising concerns about their reported history in accordance with FCRA Section 605B. 

Thank you. 
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 2024-05-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: Eastern Account Systems of Connecticut, Inc.
State: GA

Complaint narrative:
I did not open a account with XXXX XXXX  Someone use my idenity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-14 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: TX

Complaint narrative:
XXXX XXXXXXXX XXXX Account number XXXX, you are reporting this collection as an ''Open '' Account which is not under FCRA Complicance . this is inaccurate reporting and needs to be removed of my credit report immediately. please send me a copy of my credit report when the above deletion has been removed, Please attach of the following, 1 the purchase agreement 2, Agreement with your client that grants collection company name the authority to collect this alleged debt 3, signed agreement debtor has made with debt collector, or other verifiable proof of debtor has a contractual obligation to pay debt collector. 4, date of the original charge off or delinquency. any agreement that bears the signature of debtor, wherein agreed to pay creditor

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-13 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: American Collections Enterprise, Inc.
State: MD

Complaint narrative:
On XX/XX/year> at around XXXX XXXX, I contacted the American Collection Enterprise , Inc. ( ACEI ). I was transferred to an agent, who I asked to please explain the letter that I received from their group. The agent placed me on hold, came back on the phone stated the bill amount and then stated " we accept, debit or credit cards '' ; I reminded her I needed to understand the letter and then she quickly transferred me. That is when I was transferred to XXXX XXXX ( I may misspell the lastname ). I explained to XXXX, that I need to understand the bill and what it is for, she read the bill is from XXXX XXXX XXXX  XXXX XXXX XXXX  and I owe them {$140.00} for XXXX. My XXXX rights are violated given that my purpose to the medical center was exposed. When I asked XXXX XXXX to clarify, she fostered up a very defensive attitude yelling that she needs to finish talking. I asked her to provide this information over email, she stated that she can not. I asked her if she is refusing to provide me with the information that I am requesting, she then started shouting on the phone at. I remained calm and told her not to yell at me and then she continued yelling and hung up on me. I called back, and a man answered and placed me on hold. The man answered and asked for my name I told him my name and asked for his, his response XXXX XXXX, he was rude stating that I am just now telling him my name when I repeated it. This agent then hung up on me. I called back this agency numerous times trying to reach someone to help me understand and come to a solution about this debt, no one answered my calls following this encounter with XXXX and XXXX XXXX. When I called, XXXX XXXX 's voicemail stated that XXXX XXXX can not answer the phone. I also got directed straight to voicemail for XXXX XXXX and XXXX XXXX. Throughout the day I tried to call this agency from numerous numbers on their contact page, people would continue to avoid my calls. I need to understand the debt and this is very unprofessional, vindictive, revengeful, sabotaging and spiteful

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 2024-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to contest and to dispute the inaccurate reporting of account on my credit report. Upon contacting the company, it was confirmed that an error occurred. Furthermore, assurances were provided over the phone that the accounts would be promptly updated. Your bureau is legally obligated to conduct a reasonable investigation of disputes. This investigation must be prompt and must include a review of all relevant information submitted by the consumer, such as myself. XXXX and XXXX have already corrected the inaccuracy of the account from my report and so I request that you take immediate action to update this erroneous account. 

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 2024-05-14 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: CA

Complaint narrative:
The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.

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 2024-05-14 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: CA

Complaint narrative:
The existence of these fraudulent particulars constitutes a breach of the regulations outlined in 15 USC 1681C-2. I am submitting a formal request for the eradication of these unauthorized and illegal inquiries from my credit report. These deceitful inquiries not only present a misleading depiction of my credit history but also subject me to significant risks concerning my financial stability and reputation. It is imperative to promptly resolve this matter to safeguard my creditworthiness and preserve the integrity of my credit report. Consequently, I am seeking the expeditious removal of these fraudulent inquiries to reinstate the accuracy and reliability of my credit profile.

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 2024-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.

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 2024-05-13 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: TX

Complaint narrative:
I am in total absolute debrief with the way the credit agency has mishandled my credit. XXXX account : XXXX  XXXX, is being reported as a charge off on my credit report. I have asked the agency to do a simple reinvestigation. This account is reporting inaccurate and falsely on my report. According to XXXX5 USC 168i 5 they are supposed to do the proper research, ( XXXX ) treatment of inaccurate and unverifiable information, ( a ) in general if after any re-investigation under paragraph ( XXXX ) of any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall remove/delete all those items. This matter have been of great hinderance to my endeavor of grow and obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Dear Sir/Madam, I am writing to file a formal complaint against XXXX XXXX XXXX XXXX XXXX XXXX payments on my account that were not my fault. I am XXXX XXXX, a loyal customer of XXXX XXXX XXXX XXXX for over three years. My account number is XXXX. 

The following events detail the circumstances leading to this complaint : Upon securing a loan with XXXX XXXX XXXX XXXX, I arranged for auto-pay from my XXXX XXXX account to ensure timely payments. 

Despite this arrangement, I was notified of two missed payments on my credit report. When I contacted XXXX XXXX XXXX XXXX, I was instructed to address the issue in person at their branch, located an hour away. 

After enduring a two-hour wait for an appointment, I was informed that the problem stemmed from XXXX XXXX XXXX XXXX of the credit union XXXX XXXX XXXX XXXX XXXX assured me they could swiftly resolve the issue. 

The matter was supposedly resolved after XXXX XXXX XXXX XXXX XXXX XXXX XXXX at the branch. 

Subsequently, I discovered a significant XXXX drop in my credit score due to late payments attributed to XXXX XXXX XXXX XXXX XXXX despite assurances of resolution. 

Despite repeated attempts to communicate and seek resolution, the issue persists, causing undue stress. Notably, six late payments were erroneously reported, despite being on time. 

I request the XXXX XXXX XXXX thoroughly investigate and address this matter. I urge XXXX XXXX XXXX XXXX to rectify the late payments and enhance their customer service processes. 

Thank you for your attention to this matter. 

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 2024-05-14 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:
Dear Sir/Madam, I am writing to file a formal complaint against XXXX XXXX XXXX XXXX XXXX XXXX payments on my account that were not my fault. I am XXXX XXXX, a loyal customer of XXXX XXXX XXXX XXXX for over three years. My account number is XXXX. 

The following events detail the circumstances leading to this complaint : Upon securing a loan with XXXX XXXX XXXX XXXX, I arranged for auto-pay from my XXXX XXXX account to ensure timely payments. 

Despite this arrangement, I was notified of two missed payments on my credit report. When I contacted XXXX XXXX XXXX XXXX, I was instructed to address the issue in person at their branch, located an hour away. 

After enduring a two-hour wait for an appointment, I was informed that the problem stemmed from XXXX XXXX XXXX XXXX of the credit union XXXX XXXX XXXX XXXX XXXX assured me they could swiftly resolve the issue. 

The matter was supposedly resolved after XXXX XXXX XXXX XXXX XXXX XXXX XXXX at the branch. 

Subsequently, I discovered a significant XXXX drop in my credit score due to late payments attributed to XXXX XXXX XXXX XXXX XXXX despite assurances of resolution. 

Despite repeated attempts to communicate and seek resolution, the issue persists, causing undue stress. Notably, six late payments were erroneously reported, despite being on time. 

I request the XXXX XXXX XXXX  thoroughly investigate and address this matter. I urge XXXX XXXX XXXX XXXX to rectify the late payments and enhance their customer service processes. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-14 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have always ensured that payments on this account are made on time, never letting them become overdue. I am unsure about the reasons for reports of late payment remarks on my accounts. Corrections should be made in accordance with XXXX XXXX XXXX - Billing Error.

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 2024-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
See document attached

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 2024-05-14 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:
This card is not mine. Even on my Equifax credit report it states Undesignated-O : Individual 's association with this account is unknown. 

Account details Account status Over XXXX  days past due Account type Revolving Account number XXXX XXXX Date opened XX/XX/XXXX Date closed XX/XX/XXXX Past due {$650.00} Responsibility Undesignated

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: UMB FINANCIAL CORPORATION
State: CA

Complaint narrative:
Hi CFPB, Regarding : Check # XXXX In the amount of {$370.00} Issue date XX/XX/XXXX UMB Bank failed to provide me with proof of payment : ( XXXX ) A copy of what UMB mailed to the to the merchant ( as the merchant claimed they did not receive the check from UMB ). 
-and- ( XXXX ) If the merchant redeemed the check, a copy of the cancelled check ( back of the check, marked by the depositors financial institution ). 

I requested the above documentation from UMB in XX/XX/XXXX, and followed up numerous times over the past XXXX  months, spending up to XXXX hours on the phone each time answering their questions. Below is a list of some of the calls I placed ; UMB agreed each time, however still failed to provide the documentation : XX/XX/XXXX : XXXX hours XX/XX/XXXX : XXXX hour XX/XX/XXXX : XXXX hours XX/XX/XXXX : XXXX hours XX/XX/XXXX : XXXX hour UMB confirmed the following : XXXX withdrew the funds from my account on XX/XX/XXXX. 
UMB mailed the check to the merchant on XX/XX/XXXX, and included all of the Memo notes. 
Im not able to access my UMB account directly ( as it is an XXXX XXXX Account ). UMB is the bank for the XXXX. UMB is responsible for mailing the check and providing the requested documentation. 
XXXX XXXX XXXX XXXX administers the XXXX plan ( XXXX XXXX XXXX doesnt have the documentation ). 

The merchant put my account in to collections due to no check being received from UMB and no proof of payment documents from UMB ( UMB is aware of this as well ).

Based on my experience, it appears as though UMB has acted unfair and misleading. 

Thank you and best regards.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-14 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: CA

Complaint narrative:
I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a blatant violation of the regulations delineated in the 15 USC 1666. This statute, an integral component of the Fair Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.

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 2024-05-14 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: MS

Complaint narrative:
I have Been trying to get an account removed since 2020. I did A voluntary surrender on a vehicle and they sent a debt cancellation letter. Two of the three bureaus removed the account. Experian refuses to remove the account. I have provided the necessary paperwork and they continue to keep the account on my 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 explanation
Consumer complaint received 2024-05-14 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: MI

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.

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 XXXX 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 2024-05-14 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: MI

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.

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 XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-14 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: CA

Complaint narrative:
I was looking at my credit report and noticed that there were hard inquiries that are not mine on there.

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