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 — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Number : XXXX # XXXX Opened XXXX BALANCE {$820.00} Account Number : XXXX XXXX # XXXXDate Opened XXXX BALANCE {$0.00} Account Number : XXXX XXXX XXXX-Date Opened XXXX BALANCE {$390.00} Account Number : XXXX XXXX XXXX XXXXDate Reported XXXX BALANCE {$590.00} Account Number : XXXX XXXX XXXXDate Opened XXXX BALANCE {$7200.00} Account Number : XXXX XXXX XXXXXXXX Date Opened XX/XX/XXXX Account Number : XXXX XXXX # XXXXDate Opened XX/XX/XXXX - BALANCE XXXX XXXXXXXX Account Number : XXXX XXXX # XXXX Date Opened XX/XX/XXXX - BALANCE {$3700.00} Account Number : XXXX XXXX XXXX # XXXXDate Opened XXXX BALANCE {$440.00} Account Number : XXXX XXXX XXXX # XXXXDate Opened XXXX BALANCE {$450.00} Account Number : XXXX XXXX XXXX XXXXDate Opened XX/XX/XXXX - BALANCE {$4200.00} Unauthorized Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 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: IL

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 explanation
Consumer complaint received 2024-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX!! Informed the company I have been out of work for XXXX XXXX  They put me on a deferred program. Immediately after the program ended they continue to demand payment. Informed them numerous times I am unable to pay at this because I have to pay back rent, utilities and other expenses while I was out of work. XXXX XXXX continues to call at harass numerous times each and every day including weekends Saturday and Sunday evenings. I am requesting both of these XXXX  XXXX accounts to be closed immediately and with a XXXX balance. 
Thank you for your time and consideration

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 2024-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: FirstPoint Collection Resources
State: PA

Complaint narrative:
XXXX XXXX!! Informed the company I have been out of work for XXXX XXXX  They put me on a deferred program. Immediately after the program ended they continue to demand payment. Informed them numerous times I am unable to pay at this because I have to pay back rent, utilities and other expenses while I was out of work. XXXX XXXX continues to call at harass numerous times each and every day including weekends Saturday and Sunday evenings. I am requesting both of these XXXX XXXX accounts to be closed immediately and with a XXXX balance. 
Thank you for your time and consideration

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX XXXX!! Informed the company I have been out of work for medical conditions. They put me on a deferred program. Immediately after the program ended they continue to demand payment. Informed them numerous times I am unable to pay at this because I have to pay back rent, utilities and other expenses while I was out of work. XXXX XXXX continues to call at harass numerous times each and every day including weekends Saturday and Sunday evenings. I am requesting both of these XXXX  XXXX accounts to be closed immediately and with a XXXX balance. 
Thank you for your time and consideration

Company response to consumer: Closed with explanation
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 — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2024-08-16 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:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2024-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 2024-08-16 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: MD

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Unauthorized Inquiries EXPERIAN XXXX XXXX XXXXXX/XX/year>

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 2024-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I am seeking your assistance regarding this incorrect account listed on my credit report. I am raising this issue because it has harmed my reputation, and I urgently need your help. Your mishandling of my credit report has left me in a difficult position, as the incorrect information has severely damaged my reputation. These inaccuracies must be removed so I can live peacefully with my family.

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 2024-08-16 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: Advanced Resolution Services Inc.
State: PA

Complaint narrative:
I do not consent nor authorize the sharing of my information to the public, specifically with data aggregators who are looking to collect information on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I purchased home owner 's insurnace at the closing of my property effective XX/XX/XXXX to XX/XX/XXXX. On about XX/XX/XXXX the XXXX notified myself and Bank of America that the policy was going to cancel as of XX/XX/XXXX. On XX/XX/XXXX I purchased new home owner 's insurnace with XXXX XXXX effective XX/XX/XXXX to XX/XX/XXXX. There was no gap in home owner 's insurance. Bank of America threatened to put forced place insurnae on my home due to their error in inputing correct information they claim they received from The XXXX. The XXXX has never advised Bank of America their policy cancelled on XX/XX/XXXX. They advised the policy was active since that date. The letter that went out to both me and Bank of America clearly state the policy was cancelling on XX/XX/XXXX, NOT XX/XX/XXXX. Bank of America continues to harass me every month or two. You can look at my complaint record related to this CFPB account and see their constant errors and bad/ potentially illegal behaviour.

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 2024-08-16 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: GA

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/year> ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of bogus addresses.

These are the accounts in my name that stems from the identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 A copy of an FTC report listing the Accounts opened in my name is enclosed. My consumer FICO credit report now contains fake accounts as a result of this Identity Theft. A copy of your consumer FICO credit report, which includes the aforementioned bogus addresses. The aforementioned accounts as reported, are unfamiliar to me. The Accounts listed above is the product of fraud and identity theft. I've included a copy of the FTC Identity Theft Criminal Complaint # XXXX XXXX and A Police Report # XXXX XXXX XXXX as official documentation from the US Federal Trade Commission demonstrating that the Accounts listed above are all the product of fraud and identity theft.

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 2024-08-16 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 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 explanation
Consumer complaint received 2024-08-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I want my account to be reinserted. I need that account on 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 2024-08-16 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: TX

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account NumbeXXXX XXXX XXXX XXXX XXXX XXXX -BALANCE {$610.00} -Date Opened XX/XX/XXXX Account Number : XXXX XXXX XXXX - BALANCE XXXX XXXXXXXXDate Opened XX/XX/XXXX Unauthorized Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2024-08-16 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:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Number : XXXX XXXX XXXX  XXXX -BALANCE {$610.00} -Date Opened XX/XX/XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX EXPERIAN BUSINESS CRED XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 explanation
Consumer complaint received 2024-08-16 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:
Hello, I Disputed fraudulent inquiries with credit bureaus XXXX And Equifax and attached all required forms for dispute, i received letter at home saying that they dont believe that dispute opened by me, i called multiple times and verified that the dispute were opened by me and they didnt remove it. Please request them to remove this fraudulent inquiries

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: CA

Complaint narrative:
On XX/XX/year>, a merchant XXXX restaruant in XXXX fraudently charged my card for {$610.00} - more than {$600.00} more than the actual bill! I reported this to chime, and reported again, again, again. Chime has not investigated the issue- they send an auto notice within hours that the claim is disapproved. 

It is a fraudulent transaction and Chime needs to be held accountable.

Company response to consumer: Closed with non-monetary relief
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: MN

Complaint narrative:
I need your help with this incorrect account showing up on my credit report. I have brought this to your attention because it has been damaging to my reputation, and I urgently require your assistance. Due to your mishandling of my credit report, the incorrect information has ruined my reputation. It's imperative that these mistakes are corrected so I can live a normal life with my family.

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 2024-08-16 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: EQUIFAX, INC.
State: OR

Complaint narrative:
In XXXX I applied for a credit card and was denied due to " applicant was deceased. '' Clearly, I am not- and decided to move on without a credit card. In XXXX I applied for a car loan and the loaner was unable to access my credit score and also got the message that I was " XXXX  ''. I then scheduled an appointment with the social security department to see if they knew what was going on, and they informed me that everything was fine on their end. I obtained a letter from them stating that I was in fact XXXX. I sent copies of that letter along with a notarized letter stating that I was alive, with copies of my ID, social security card, and birth certificate to XXXX, Equifax, and XXXX to establish my existence in XX/XX/XXXX. I received a letter from XXXX stating that my Dispute item not listed in credit report and a letter from Equifax confirming the dispute, but had no results to list. I received nothing from XXXX. I have spoken to several representatives from the XXXX credit reporters and all of them have no idea why this is happening and take no accountability. I have spoken to several professionals and they advise a lawyer, but I do not have the means for that. I met with a XXXX XXXX that was able to establish that all three credit reporters do not have my name correct in their systems and XXXX has an incorrect social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 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: OR

Complaint narrative:
In XXXX I applied for a credit card and was denied due to " applicant was XXXX. '' Clearly, I am not- and decided to move on without a credit card. In XXXX I applied for a car loan and the loaner was unable to access my XXXX XXXX and also got the message that I was " XXXX  ''. I then scheduled an appointment with the social security department to see if they knew what was going on, and they informed me that everything was fine on their end. I obtained a letter from them stating that I was in fact XXXX. I sent copies of that letter along with a notarized letter stating that I was alive, with copies of my ID, social security card, and birth certificate to Experian, XXXX, and XXXX to establish my existence in XX/XX/XXXX. I received a letter from Experian stating that my Dispute item not listed in credit report and a letter from XXXX confirming the dispute, but had no results to list. I received nothing from XXXX. I have spoken to several representatives from the XXXX credit reporters and all of them have no idea why this is happening and take no accountability. I have spoken to several professionals and they advise a lawyer, but I do not have the means for that. I met with a XXXX XXXX that was able to establish that all three credit reporters do not have my name correct in their systems and Experian has an incorrect social security 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 non-monetary relief