vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-11 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: MD

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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX  XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : 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 2024-03-11 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: NV

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review

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 2024-03-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Barnhall Financial Services, Inc.
State: TN

Complaint narrative:
The outstanding balance reported is inaccurate. BarnHall Financial Services states that I owe {$7700.00} on one document but on my credit report the balance is {$8700.00}. I request that you verify the balance with the original creditor, as discrepancies in the reported amount may adversely affect my creditworthiness. The reported date of repossession is inaccurate. The actual date of repossession was XX/XX/2022. I have attached supporting documentation, including repossession notices and correspondence from the lender, as evidence of the correct date.

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 2024-03-11 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: IN

Complaint narrative:
For some reason my credit report from equifax by XXXXXXXX XXXX XXXXXXXX was marked for collection with an amount of {$2400.00}. However the orginal creditor University XXXX XXXX XXXX has already canceled the debt that was owed? Attached to this compliant is my Copy B form from the 1099C iv recieved on XX/XX/2024 from University XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 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: OH

Complaint narrative:
I paid my account off in XXXX and after the XXXX XXXXXXXX XXXX XXXX XXXX XXXX charged me {$22.00}. They did not contact me to let me know and then subsequently reported me delinquent to the credit bureaus.

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 2024-03-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I implore you to conduct a thorough investigation into this matter and promptly rectify this error. Your swift response to this issue is highly valued and appreciated.

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 2024-03-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Please remove this fraudulent account from my credit report, as it is not associated with me. I request that you conduct an immediate investigation and remove any other inaccuracies from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
these addresses are nonmailable XXXX my personal infomation is being compromised XXXX XXXX XXXX XXXX XXXX ga XXXX, XXXX XXXX XXXX XXXX XXXXXXXX ca 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 2024-03-11 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: IL

Complaint narrative:
I did not initiate these inquiries and suspect them to be fraudulent. I request a thorough investigation and their prompt removal from my credit report. I have provided supporting documents for your review.

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 2024-03-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I discovered two fraudulent transactions on XX/XX/XXXX ( as I recall ). Both were with XXXX 's at two different stores in Florida. I don't live in Florida. I immediately called Citibank upon this discovery and reported the transactions. They locked down my account and cancelled the card. I was able to cancel one of the transactions with XXXX, but the other one had already been closed out and the items picked up. 

I didn't hear anything back from Citi and a couple of months went by. I noticed the money had been charged back onto my card. Upon examining my online account more closely I noted some messages Citi had sent me that I missed asking for more information and showing what XXXX 's had sent back to them. They had closed my case due to lack of response. I had expected something to be mailed to me or a phone call, but that had not happened. I did get a letter later after the case was closed which apparently was delayed because of holiday traffic. Also, I work a lot of hours. I work XXXX hours a week at my day job and I run a XXXX XXXX XXXX outside of that. I had XXXX events in XXXX alone. 

I called them up after seeing it was closed. They said they would investigate further. The case didn't move after calling a couple of more times and it remained closed. I have emailed them several times. I emailed them a police report on XX/XX/XXXX. They still didn't take any action on the closed case. I called in again XX/XX/XXXX at XXXX XXXX. I was told they needed to cancel my new account number and log another case with fraud. I have not received any additional communication although at least now there is an open case. It has been sitting under investigation ever since meanwhile Citi is charging me 29.99 % interest for a fraudulent purchase I never made in the amount of {$770.00}. 

The person that committed this fraud according to XXXX 's lives at the store location where they committed the fraud. Furthermore, XXXX 's says they checked his ID and it was a valid government ID. You can clearly see this in the attached documents. This is what XXXX 's sent back to Citibank. Either they are incompetent or there is a fraud ring operating in the store and the staff is in on it. Clear cut case of fraud and I have submitted a police report stating as much. I don't understand what else there is here to investigate.

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 monetary relief
Consumer complaint received 2024-03-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: MA

Complaint narrative:
I had the XXXX XXXX company like 4 years ago I left after the 2 years end I paid that company in full they probably made a mistake and now they are coming with that ridiculous amount of money for a phone bill that was XXXX a month to start besides that its being more than 2-4 years about that and now they hired a company called Jefferson to collect and they already send it to my credit report and has been damage because of this I have plans to buy a house and now I have a negative inquire on my credit report this situation its bringing my life and plans down please help me to eliminate this people to ruined my life thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 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 a victim of identity theft and have enclosed a copy of my FTC /identity theft report, a copy of my drivers license and social security card as proof of my identity, plus proof of my current address. 

You are in violation for reporting Inaccurate, incomplete, or unverifiable information. 

This is not a regular dispute. I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. the information does not relate to any transactions that I have made ; therefore ; I am writing to request that you place an immediate block on the fraudulent information in my credit file within 4 days upon receipt of this correspondence. 
By law you can not decline or rescind this request because : The block or request by the me ( the consumer ) is not in error Was not requested on the basis of a material misrepresentation of fact by me ( the consumer ) I did not obtain possession of goods, services, or money as a result of the blocked transaction or transactions. 
Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. / 15 USC Code 1681 c-2

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 2024-03-11 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: MS

Complaint narrative:
I am deeply troubled by the inclusion of this late payment on my account, especially considering my consistent track record of making payments on time. This discrepancy is causing me significant distress, and I implore you to promptly correct this error by removing it from my account.

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 2024-03-11 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: FL

Complaint narrative:
My account with 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 by the company and is not a reflection of my payment experience which violates USC Code 1681eb.

This error has caused severe damages to my reputation, defamation of character, and my familt as well as my quality of living. 

I demand the late payment reported on XX/XX/2022, XX/XX/2022, XX/XX/2022, and XX/XX/2022 to be removed. 


They are not in compliance with15 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 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.

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 2024-03-11 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: FL

Complaint narrative:
My account with 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 by the company and is not a reflection of my payment experience which violates USC Code 1681eb.

This error has caused severe damages to my reputation, defamation of character, and my familt as well as my quality of living.

I demand the late payment reported on XX/XX/2022, XX/XX/2022, XX/XX/2022, and XX/XX/2022 to be removed. 


They are not in compliance with15 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 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 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:
My loan went from XXXX to XXXX ( {$57000.00} for undergraduates ) maximum Student loans Total balance : {$59000.00} XXXX XXXX XXXX  Balance {$4000.00} Balance updated XX/XX/2024 XXXX XXXX XXXX Balance {$6100.00} Balance updated XX/XX/2024 XXXX XXXX XXXX/XXXX  Balance {$5100.00} Balance updated XX/XX/2024 XXXX XXXX XXXX  Balance {$7000.00} Balance updated XX/XX/2024 XXXX XXXX XXXX Balance {$1500.00} Balance updated XX/XX/2024 XXXX XXXX XXXX Balance {$5100.00} Balance updated XX/XX/2024 XXXX XXXX XXXX Balance {$7400.00} Balance updated XX/XX/2024 XXXX XXXX XXXX XXXX  {$3800.00} Balance updated XX/XX/202XXXX XXXX XXXX XXXX Balance {$5500.00} Balance updated XX/XX/2024 XXXX XXXX XXXX Balance {$1500.00} Balance updated XX/XX/2024 XXXX XXXX XXXX Balance {$1000.00} Balance updated XX/XX/2024 XXXX XXXX XXXX Balance {$140.00} Balance updated XX/XX/2024 XXXX XXXX XXXX Balance {$830.00} Balance updated XX/XX/2024 XXXX XXXX XXXX Balance {$3900.00} Balance updated XX/XX/202XXXX XXXX XXXX XXXX Balance {$5900.00} Balance updated XX/XX/2024 15 USC 1681s-2 : Responsibilities of furnishers of information to consumer reporting agencies : ( XXXX ) Duty to provide notice of dispute If the completeness or accuracy of any information furnished by any person this creditor has violated my rights under 15USC 1681 Section 6o2 states I have the rights to privacy.15USC 1681 it also states a consumer report agency can't furnish an account without my written instruction

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 2024-03-11 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: MS

Complaint narrative:
My loan went from XXXX to XXXX ( {$57000.00} for undergraduates ) maximum Student loans Total balance : {$59000.00} DEPT OF ED/AIDVANTAGE Balance {$4000.00} Balance updated XX/XX/year> DEPT OF ED/AIDVANTAGE Balance {$6100.00} Balance updated XX/XX/year> DEPT OF ED/AIDVANTAGE Balance {$5100.00} Balance updated XX/XX/year> DEPT OF ED/AIDVANTAGE Balance {$7000.00} Balance updated XX/XX/year> DEPT OF ED/AIDVANTAGE Balance {$1500.00} Balance updated XX/XX/year> DEPT OF ED/AIDVANTAGE Balance {$5100.00} Balance updated XX/XX/year> DEPT OF ED/AIDVANTAGE Balance {$7400.00} Balance updated XX/XX/year> DEPT OF ED/AIDVANTAGE Balance {$3800.00} Balance updated XX/XX/year> DEPT OF ED/AIDVANTAGE Balance {$5500.00} Balance updated XX/XX/year> DEPT OF ED/AIDVANTAGE Balance {$1500.00} Balance updated XX/XX/year> DEPT OF ED/AIDVANTAGE Balance {$1000.00} Balance updated XX/XX/year> DEPT OF ED/AIDVANTAGE Balance {$140.00} Balance updated XX/XX/year> DEPT OF ED/AIDVANTAGE Balance {$830.00} Balance updated XX/XX/year> DEPT OF ED/AIDVANTAGE Balance {$3900.00} Balance updated XX/XX/year> DEPT OF ED/AIDVANTAGE Balance {$5900.00} Balance updated XX/XX/year> 15 USC 1681s-2 : Responsibilities of furnishers of information to consumer reporting agencies : ( XXXX ) Duty to provide notice of dispute If the completeness or accuracy of any information furnished by any person this creditor has violated my rights under 15USC 1681 Section 6o2 states I have the rights to privacy.15USC 1681 it also states a consumer report agency can't furnish an account without my written instruction

Company response to consumer: Closed with non-monetary relief