vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-09 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:
My accounts 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/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 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I AM SO DEVASTATED CURRENTLY AND DEPRESSED. I recently discovered that I was listed as part of the Equifax data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Optio Solutions, LLC
State: MN

Complaint narrative:
This debt is being collected by a 3rd party CRA and is considered COVID-19 emergency natural disaster incurred housing debt. Debt reporting measures in reference to FCRA Regulation V were not taken into consideration by original debt holder prior to submission to CRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CO

Complaint narrative:
I received an alert from credit monitoring stating that there was a collection account added to my credit report. 

I logged into my credit report and seen that I had a collection account from a collection company called, " XXXX  Capital System ''. Whom is working on collecting a debt on behalf of the original creditor who in this case is XXXX XXXX .... 

I never opened a XXXX account in 2023 as it states on my credit report and in the documentation. I been a customer of XXXX XXXX for over 3 years consistently. I reached out to XXXX Capital System and requested documentation. 

I disputed the incorrect information that is being reported on my credit report online with XXXX and shortly after disputing it I received results stating VERIFIED AND UPDATED which is not the outcome that I expected basically because the information being reported is not at all related to me. I am guessing that someone opened a XXXX XXXX  account under my social security number.. 

I am taking a huge decline as far as my credit score is concerned because the information is false and is detrimental to me as a person who is trying to purchase a vehicle and basically just getting all my Financials in good order and correct..

I appreciate it if this can be rectified as soon as possible.

The ideal outcome is having this false collection account deleted from my report. 

Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX BIRTHDAY DATE : XX/XX/XXXX SSN:XXXX DATE : XX/XX/XXXX 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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Jection 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 ) ( a ) 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. 
Delete these hard inquiries : XXXX. ) XXXX XXXX XXXX via XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX XXXX. ) XXXX XXXX XXXX via XXXX XX/XX/XXXX XXXX. ) XXXX XXXX  XX/XX/XXXX XXXX. ) XXXX XXXX XX/XX/XXXX XXXX. ) XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX. ) XXXX XX/XX/XXXX XXXX. ) XXXX XXXX  XX/XX/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 2025-01-10 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: GA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 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: BTH Management
State: OR

Complaint narrative:
I obtained a copy of my credit report on XX/XX/XXXX and there is an account from Plaza Services LLCon it in collections that was opened in XXXX but reported on XX/XX/XXXX. I dont know who this company is, I have never received anything from this company or ever had an account with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to dispute and request an update to my personal information in your records. I recently obtained a copy of my credit report and discovered that some of the personal information listed is inaccurate or outdated. I kindly request that you investigate and make the necessary updates to ensure the accuracy and integrity of my credit profile. 

Please find below the specific details of the incorrect or outdated information : Name : XXXX XXXX XXXX Also Known As : XXXX XXXX XXXX Former : XXXX XXXX XXXX Date of Birth : XX/XX/year> Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Previous Address ( es ) : NONE Employers : XXXX XXXX  I have enclosed copies of supporting documents to verify the accurate information provided above. The documents include : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address. 
A copy of my phone bill or any other official document that displays my correct phone number.

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 2025-01-10 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
I called the fraud department both calls took over a hour the first agent told me they blocked and removed the XXXX fraudulent accounts but the second one told me the accounts doesnt qualify. I been trying for months on this. I showed my ftc which I attached I had XXXX usaa XXXX XXXX blocked XX/XX/08 and after the agent claim they couldnt see a clear copy of drivers license I just want to be treated fair Report Number : XXXX please look into my claim

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 2025-01-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Citibank advertised and issued a Citibank XXXX card to me 7 years ago, over the course of time, Citibank has devalued the points program and primary benefits all while charging me a {$490.00} annual fee. The XXXX night free primary benefit has been reduced to a restricted list of hotels that only Citibank knows without transparency to cardholders expects on an individual hotel query/lookup basis. In most cases the XXXX night free primary benefit is not available at all resulting in the inability for cardholders to realize the benefit that has been advertised. Citibank states that the terms and conditions allow them to freely reduce the benefits at will. This is an unfair and deceptive business practice that is designed to lock-in cardholders who find it difficult to transfer to another bank and credit card rewards program. The the public should be made aware of these deceptive business practices that mislead 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 2025-01-10 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: TN

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2025-01-10 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
I have XXXX Amex gift cards and I can't use either of them for anything. This is a known issue because the cards are flagged for fraud because they don't have a name or address linked to them. All that happens when I use them is they decline and I get a XXXX pending charge. I have tried using it for as low as {$10.00} out of the {$25.00} available balance and it doesn't work on any website.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: LA

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 U.S.C .1681 Account Fair XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX 15 U.S.C.1681 sections 602 A States I have the rights to privacy 15 U.S.C . 1681 sections 604 A 2 : It also states a consumer reporting agency can not furnish an 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 following items of information Any other adverse item of information, other than records of crimes which antedates the report by more than 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 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Shellpoint Partners, LLC
State: DC

Complaint narrative:
I have contacted Shellpoint mortgage on multiple occasions via phone throughout XXXX and XXXX of 2024. I was instructed to email my dispute complaint to them on XX/XX/XXXX2024. I did so on XX/XX/XXXX2024 and never received a response. 


-Periodic Statement Requirement In accordance with 1026.41 the creditor was required to send me periodic billing statements at for each billing cycle. The lender failed to do so as I never properly received account statements. Upon checking the statement history it has been confirmed that despite providing the company with my correct address they failed to include XXXX XXXX within the address line and as a result the mailed statements from XXXX 2024- XX/XX/XXXX2024 to the incorrect/incomplete address as my unit number XXXX wasnt included in the mailing address ( see attached documents ). 

-Missing Payment History The account was charged off in XX/XX/XXXX2024. The XXXX history status for XXXX does not accurately report this charge off status for the month of XX/XX/XXXX2024. 

-Inaccurate Foreclosure History On XX/XX/XXXX2024 the companys representative XXXX stated that the account was successfully foreclosed as of XX/XX/XXXX2024, my credit history also reflects this FS status for XX/XX/XXXX2024. This is inaccurate as the companys attorney requested the claim be dismissed on XXXX/XXXX/24 ( see attachment ). 

-Inaccurate Current Balance I have been told the {$440.00} balance reflecting on credit reporting is foreclosure fees. However, the foreclosure proceedings were dismissed without prejudice due to the balance already being charged off. These {$440.00} of foreclosure charges also arent viable as I never received periodic statements properly to warrant any late payment. The charge off amount provided by the company was also to include all and any outstanding charges and fees.

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 2025-01-10 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: AL

Complaint narrative:
I insist on the removal of this late payment from my account as it does not faithfully depict my payment history. I have consistently made timely payments, and it is unjust to be marked with this inaccurate entry. I urge you to promptly update 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 non-monetary relief
Consumer complaint received 2025-01-10 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: AL

Complaint narrative:
I insist on the removal of this late payment from my account as it does not faithfully depict my payment history. I have consistently made timely payments, and it is unjust to be marked with this inaccurate entry. I urge you to promptly update 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 2025-01-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: NV

Complaint narrative:
Somebody open up a phone line in my name without me knowing because my identity was stolen

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am writing to dispute items on my credit report that I believe to be inaccurate. Upon reviewing my credit report, I was shocked to find these accounts listed as negative. However, after conducting thorough research, I discovered that these same accounts are not being reported as negative with other credit bureaus, such as 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 2025-01-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 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: TX

Complaint narrative:
This CFPB compliant has been filed to request pursuant to FCRA 605B Under 15 USC 1681c-2c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below XXXX XXXX XXXX  {$390.00} XXXX XXXX XXXX {$0.00} These credit accounts and collections are the results of identity theft and 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 explanation
Consumer complaint received 2025-01-09 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: NV

Complaint narrative:
ON XX/XX/XXXX/2024 SENT OUT DISPUTE LETTER TO DISPUTE SEVERAL ENTRIES ON MY CREDIT REPORT UNDER THE FAIR CREDIT REPORTING ACT ( FCRA ) THEN AGAIN ON XX/XX/XXXX24 WITH TRACKING NUMBER XXXX XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX XXXX XXXX. AS THE CERTIFICATED SECURITY HOLDER OF MY ESTATE I DEMANDED AN IMMEDIATE INVESTIGATION AND CORRECTION UPDATE ACCOUNTS AS PAID AS AGREED OR REMOVAL OF THE FOLLOWING : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  AND ALL NEW, OLD INQUIRES. REASON FOR DISPUTE ACCOUNTS IS UNSUPPORTED BY ANY ORIGINAL, SIGNED CONTRACTUAL AGREEMENT. WITHOUT THE ORIGINAL CERTIFICATED SECURITY THE ACCURACY OF THIS ENTRY CAN NOT BE ASSURED.

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