vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-16 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: FL

Complaint narrative:
My account with XXXX XXXX AND XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX AND XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

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 2024-08-17 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:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-17 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:
Several months ago i noticed that XXXX XXXX falsely entered account # XXXX on all three credit report. 

I have never contracted with or borrowed any money from this company. I requested that the provide me with any copy of a purchase agreement contract and a contract bearing my signature since i have never done any business with them. 

After months of waiting they failed to provide me with any of the requested information, instead they threatened to sue me. 

I further asked them to remove the item from all of my credit reports and they have ignored all of my request and continue to cause harm and financial damage to me. 

I am hereby requesting the help of the CFPB in resolving this matter as my disputes to all CRAs seems to be ignored. 

I am also submitting a copy of this complaint to the Federal Trade commission and the 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 2024-08-17 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: PA

Complaint narrative:
Several months ago i noticed that XXXX XXXX falsely entered account # XXXX on all three credit report. 

I have never contracted with or borrowed any money from this company. I requested that the provide me with any copy of a purchase agreement contract and a contract bearing my signature since i have never done any business with them. 

After months of waiting they failed to provide me with any of the requested information, instead they threatened to sue me. 

I further asked them to remove the item from all of my credit reports and they have ignored all of my request and continue to cause harm and financial damage to me. 

I am hereby requesting the help of the CFPB in resolving this matter as my disputes to all CRAs seems to be ignored. 

I am also submitting a copy of this complaint to the Federal Trade commission and the XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-17 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 am writing to formally request your intervention regarding a matter with Experian, XXXX and XXXX that has not been resolved despite my repeated efforts. I have sent letters to Experian on XX/XX/year>, and again on XX/XX/year>, requesting that they address issues related to my stolen identity and verify the accuracy of the information on my credit report. To date, I have not received any response from Experian by mail as I requested. 

In my correspondence with Experian, XXXX and XXXX I notified them of the identity theft, and I provided them with instructions to verify any and all accounts listed on my credit report with my original signed documents and physical verification as required by the Fair Credit Reporting Act ( FCRA ), specifically Section 609. Despite my clear demand, Experian has failed to comply with my request and has not provided the necessary verifiable proof or documentation. 

The lack of response and verification from Experian, XXXX and XXXX is a violation of the FCRA and constitutes a failure to address fraudulent accounts and unauthorized addresses associated with my credit profile. I am now left with no choice but to consider their inaction as fraudulent behavior and potentially a breach of my rights under the FCRA. 

Accordingly, I request that the CFPB assist in taking the following actions : Ensure that Experian, XXXX and XXXX deletes all fraudulent accounts and addresses that do not belong to me from my credit report. 
Obtain an update letter from Experian confirming the actions taken and the current status of my credit report.

Furthermore, I intend to pursue litigation to enforce my rights and seek relief under Sections 616 and 617 of the FCRA, which allow for the recovery of monetary damages due to XXXX non-compliance and any resultant harm. 

I would appreciate your prompt assistance in this matter and request an acknowledgment of receipt of this letter. Thank you for your attention to this urgent 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 explanation
Consumer complaint received 2024-08-17 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Westlake Services, LLC
State: MA

Complaint narrative:
Dear Consumer Financial Protection Bureau ( CFPB ), I am submitting this formal complaint regarding Westlake Financial Services, which has reported an alleged debt of {$4800.00} on my credit report. I have no knowledge of this debt, have never had any relationship with Westlake Financial Services, and have not entered into any contractual agreements with this company or the original creditor. I believe this account is fraudulent. 

The reporting inaccuracies concerning this account constitute violations of both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). To address this issue, I request the following documentation from Westlake Financial Services : Authorization Proof : Evidence of your authorization to handle this matter under 15 USC 1692 ( e ) and 1692 ( f ).

Legal Basis : Documentation showing the legal basis for the collection of this alleged debt.

State Authorization : Proof of your authorization to operate and collect debts in my state.

Debt Evidence : Detailed evidence of the alleged debt, including any contracts or agreements with my signature.

Account History : A complete history of the account, including all collection-related charges.

I am also asserting that Westlake Financial Services has infringed upon my rights under several sections of the FDCPA, including : 1692d : Harassment or abuse in connection with debt collection.

1692e : Use of false, deceptive, or misleading representations. 
1692g ( b ) : Failure to properly disclose my rights.

1692f : Use of unfair or unconscionable means to collect a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-17 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
15 U.S. code {$1600.00} XXXX a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 business days after the date of receipt its been 30 days and you are in violation of this law because I am a victim of identity theft!!! Please delete these items immediately!!!!!!

These accounts should not be furnished on my consumer report as they are in violation under 15 U.S code 1681b- permissible purposes of consumer reports ( a ) in general to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) in accordance with the written instructions of the consumer to whom it relates I never gave any consumer reporting agency written consent to report anything on my consumer report which violates my rights as a federal protected consumer no consent is identity theft as a consumer I am demanding the deletion of the accounts listed immediately!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-17 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I called experian to file a dispute on XX/XX/year>. I dialed ( XXXX ) XXXX on or around XXXX XXXX XXXXXXXX. 
After a long hold, a female agent from XXXX XXXX answered the phone ( around XXXXXXXX XXXX XXXX ). I gave her all of my personally identifiable information, then suddenly she stopped talking. I kept saying " hello, agent are you there? '' There was no response. My call was still connected. This is known as call-avoidance and is unacceptable. Please note : this is not a one-time isolated event ; this is a pattern and practice with experian. I have complained to experian regarding this issue on innumerable occasions. Experian has failed to resolve this matter. Specifically, l 've spoken to Experian 's XXXX XXXX telephonically regarding this complaint. She didn't seem empathetic nor sympathetic. This practice is prohibiting me from filing a valid dispute under federal and states laws. I seek to hold experian accountable. In addition to the CFPB, I will file more valid complaints with the XXXX FTC and XXXX, until and unless, this matter is resolved. DO NOT SEND ME A COPY OF MY CREDIT REPORT AND THIS CFPB COMPLAINT IS NOT A DISPUTE REQUEST.

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 2024-08-17 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-17 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: FL

Complaint narrative:
My account with XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports

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 2024-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIFTH THIRD FINANCIAL CORPORATION
State: WV

Complaint narrative:
On XX/XX/year>, I went to the ATM and tried to make a withdrawal and the funds I was requesting was in my account. This bank denied me access to my funds offering absolutely no reasoning denying me the funds. So, I went home and called the bank by use of their XXXX number, to inquire about their refusal to provide me with the funds requested. After about XXXX hours, and being transferred to every department of this bank, someone indicated to me that there was an issue relative to fraudulent transactions being made on my account, wjich was a surprise to me. They also forced me to close my account and the use of my debit card and even instructed me that I could not open another account with this bank. So, I closed this account and asked for a bank statement to hopefully show me the fraudulent transactions. After review of this bank statement, I saw NO evidence indicating that fraudulent transactions were being made, in fact, after review of the statement, I found absolutely no fraudulent transactions being made. The only thing that may raise a concern is that several of the transactions occurred outside of the United States ( XXXX ), but they were NOT fraudulent. A fair resolution would be to provide punitive damages ( {$300000.00} ), a letter of apology, and a cease and desist this type of business behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-17 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Texas, XXXX DATE : XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Inaccurate Information Request for Removal Dear Experian Dispute Department, I am writing to formally dispute an error in my credit report under the provisions of Law 1681 ( c ) ( 2 ), which mandates the accuracy of information in consumer credit reports. Upon reviewing my credit report, I identified inaccuracies that I believe require immediate attention and correction. 

The specific information I am disputing is vehicle loans, Account number : XXXX, Account Namen : XXXX XXXX XXXX XXXX, This information is not only incorrect but also negatively impacts my creditworthiness. As mandated by law, I request that you conduct a thorough investigation into this matter. 

Please find attached any supporting documentation that substantiates my claim and demonstrates the inaccuracies in my report. In accordance with the Fair Credit Reporting Act, I request the timely removal of this incorrect information from my credit report. 

I appreciate your prompt attention to this matter and look forward to your response within the XXXX timeframe stipulated by law. Should you require any further information or clarification. 

Thank you for your cooperation. 

Sincerely, 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 2024-08-17 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: TX

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, Texas, XXXX DATE : XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Inaccurate Information Request for Removal Dear Experian Dispute Department, I am writing to formally dispute an error in my credit report under the provisions of Law 1681 ( c ) ( 2 ), which mandates the accuracy of information in consumer credit reports. Upon reviewing my credit report, I identified inaccuracies that I believe require immediate attention and correction. 

The specific information I am disputing is vehicle loans, Account number : XXXX, Account Namen : XXXX XXXX XXXX XXXX, This information is not only incorrect but also negatively impacts my creditworthiness. As mandated by law, I request that you conduct a thorough investigation into this matter. 

Please find attached any supporting documentation that substantiates my claim and demonstrates the inaccuracies in my report. In accordance with the Fair Credit Reporting Act, I request the timely removal of this incorrect information from my credit report. 

I appreciate your prompt attention to this matter and look forward to your response within the 30-day timeframe stipulated by law. Should you require any further information or clarification. 

Thank you for your cooperation. 

Sincerely, 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