vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-09 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: MD

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 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 2024-09-09 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: MD

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 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 2024-09-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2024-09-09 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: FL

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 2024-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I am writing to formally express my concern regarding multiple disputed accounts on my credit report, which I have repeatedly requested be thoroughly investigated. Despite my previous efforts, no resolution or corrective action has been taken. These inaccuracies are significantly damaging my credit file and impeding my ability to manage essential aspects of my financial life. 

The negative impact of these errors has caused considerable hardships, and I urgently seek your assistance in rectifying this matter. I request that you promptly conduct a detailed investigation into the reporting of each disputed account and take all necessary steps to correct and update my credit report without further delay. 

Restoring the accuracy and integrity of my credit file is crucial for me to regain control over my financial stability, and I trust in your support and swift action to help resolve this matter. I would deeply appreciate your cooperation in resolving these issues as soon as possible. 

Thank you for your attention to this matter. I look forward to receiving confirmation of your investigation and the corrections made to my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have not been informed that this is the case I am going to end up with with my attempts to dispute these accounts that are affecting me financially, mentally and emotionally - so here I am writing once again, asking if you could just look through my case and investigate the accounts that I am asking for you to verify the accuracy and remove once done. It has come to my attention that I am not getting a response from your company and it frustrated me especially as someone who is thriving hard to get through a day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-09 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: OH

Complaint narrative:
I WOULD LIKE ALL THESE ILLEGAL ITEMS REMOVED OFF MY REPORT AS SOON AS POSSIBLE. THIS IS TOTALLY ILLEGAL AND THESE ARE NONE OF MY ACCOUNTS! 


All of these accounts are TOTALLY FRAUDLENT AND ILLEGAL AND VERY MUCH INCORRECT. I WOULD LIKE THESE ITEMS REMOVED OFF OF MY REPORT AS SOON AS POSSIBLE. COLLETIONS AND AND INQUIRIES ARE ILLEGAL I WOULD LIKE THESE REMOVED AS SOON AS POSSIBLE. 

global lending services date opened XX/XX/XXXX {$16000.00} XXXX XXXX XXXX XXXX {$0.00} date opened XX/XX/XXXXXXXX XXXX XXXX  {$62.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-09 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: AZ

Complaint narrative:
My account with this company is being reported late and i was never late! I have had exceptional payment history with this company 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 MONTHS REPORTING LATE 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.

This company 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 2024-09-09 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have disputed the accuracy of this account with Equifax several times. I have never been late on the XXXX XXXX account. Equifax alleges that XXXX XXXX verified the account. My last dispute Equifax removed all payment history except for the 2 alleged late payments. How are they able to validate only 2 late payments that are coincidently adverse to me but not any good history? If there is no data on several other months how is there data here? I want the dates/names/titles/ of those that verified it so I can properly investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-09 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: I.C. System, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX obtained my Credit Report XXXX without my permissble purpose! I never gave this company permission to have access to my credit 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 2024-09-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc.
State: MI

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 
Please delete the following accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-09 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: NY

Complaint narrative:
I asked for legitimate documents to prove the appearance of these items in the credit 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 2024-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-09 00:00:00
Product: Prepaid card — Gift card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY
State: WV

Complaint narrative:
There was an unauthorized charge on my American Express gift card. 

purchase date : XX/XX/2023 Amount : {$500.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To Whom it May Concern, I tried multiple times to create an account with EXPERIAN. I was stopped midway ( after entering all my vital private information ), with a page stating " Opps there has been a problem '' - Please call XXXX XXXX. When calling this number, I went in circles with an A.I. generated voice that did not allow me to get the help I needed to gain access to my account. I tried many times and different ways to gain access to my account. I finally did speak to a live person the day at Experian who told me that since my account had been frozen. I could not gain access, and if she unfreezed my account, I would be able to start over with a new account - username and password. That just turned into hours of more aggravation, as they would never allow me to create an account or ever sign in again! 

Last Friday, I was alerted that my XXXX # has been detected on the " dark web '' by a credit monitoring service ( appointed to me from a XXXX XXXX XXXX Breach ), and that I should take measures to protect my credit. Experian has been the only one of the 3 Credit Agencies to make it impossible to create and access an online 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 2024-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
I HAVE NOT GIVEN PERMISSION FOR MY PERSONAL INFORMATION TO BE REPORTED BY ANY CREDIT COMPANY OR BUREAU. THESE ADDRESSES CAN BE FOUND ON ALL 3 OF MY CREDIT REPORTS AND ARE ADDRESSES THAT I NEVER LIVED AT OR I CURRENTLY DO NOT LIVE AT THE ADDRESSES ANYMORE. SEE ATTACHMENTS FOR ADDRESSES LISTED OTHER THAN THE ADDRESS BELOW CURRENT ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-09 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: DC

Complaint narrative:
I HAVE NOT GIVEN PERMISSION FOR MY PERSONAL INFORMATION TO BE REPORTED BY ANY CREDIT COMPANY OR BUREAU. THESE ADDRESSES CAN BE FOUND ON ALL 3 OF MY CREDIT REPORTS AND ARE ADDRESSES THAT I NEVER LIVED AT OR I CURRENTLY DO NOT LIVE AT THE ADDRESSES ANYMORE. SEE ATTACHMENTS FOR ADDRESSES LISTED OTHER THAN THE ADDRESS BELOW CURRENT ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-09 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: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
I opened my credit report in XX/XX/2023 and found many information that is not mine I send the information with the FTC to the creditors they stated in their investigation that it was accurate I called and they said they will see what their reinvestigation launched this time no response waited and waited and then things gone worse accounts were showing up that they were not mine with creditors instead of the situation getting better it got worst XXXX XXXX XXXX XXXX XXXX also I filed a police report again this time in XXXX and I did send them the may one which for them was not acceptable I AM REQUESTING HELP!!! never get thorugh with them and they never send me anything

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 2024-09-09 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: CITIBANK, N.A.
State: MA

Complaint narrative:
I opened my credit report in XX/XX/year> and found many information that is not mine I send the information with the FTC to the creditors they stated in their investigation that it was accurate I called and they said they will see what their reinvestigation launched this time no response waited and waited and then things gone worse accounts were showing up that they were not mine with creditors instead of the situation getting better it got worst XXXX XXXX XXXX XXXX XXXX also I filed a police report again this time in XXXX and I did send them the may one which for them was not acceptable I AM REQUESTING HELP!!! never get thorugh with them and they never send me anything

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 2024-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I filed a credit freeze for a minor child with Experian. 

Today, a confirmation letter arrived via postal mail but Experian recorded the wrong address for my child. 

The USPS mail carrier asked me to correct the address. 

I called Experian 's number ( XXXX ) XXXX, which was included in the letter, but could not navigate the automated system to a point where the address could be corrected. 

I also tried their headquarters at ( XXXX ) XXXX without success Experian already has all the information, including the birth certificate and my driver 's license. They can see the error from their records. 

The phone seems a safer choice than mail since they have the wrong address.

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 2024-09-09 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: CA

Complaint narrative:
i was a victim of identity theft and i couldnt figure out how to get all the accounts submitted together. i finally figured out that you have to d it seperately. Please remove the accounts that were caused by fraud

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 2024-09-09 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: CA

Complaint narrative:
i was a victim of identity theft and i couldnt figure out how to get all the accounts submitted together. i finally figured out that you have to d it seperately. Please remove the accounts that were caused by fraud

Company response to consumer: Closed with non-monetary relief