vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

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 168.XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX. has violated my rights. 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 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 2024-08-05 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: IL

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 168.XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX. has violated my rights. 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 2024-08-05 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: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
I am REWRITING to complaint CB/XXXX  about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, and my name is XXXX XXXX XXXX. My birthdate is XXXX. The FTC report number related with this complaint XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-05 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: Stellantis Financial Services US Corp.
State: MA

Complaint narrative:
Formal Dispute of Unauthorized Credit Inquiry by Stellantis FinancialXXXX I am writing to formally dispute an unauthorized hard inquiry that has appeared on my credit report, which I believe violates the Fair Credit Reporting Act ( FCRA ). The details of the inquiry are as follows : Company Name : Stellantis Financial/XXXX Inquiry Date : XX/XX/year> Alert Date : XX/XX/year> Business Type : FA Contact Information : Address : XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX Number : ( XXXX ) XXXX Legal Violations : Unauthorized Inquiry : The hard inquiry by Stellantis Financial/XXXX  was made XXXX XXXX XXXX XXXX. I did not apply for any credit or services that would authorize this inquiry. Under the FCRA ( 15 U.S.C. 1681b ), any credit inquiry requires the explicit consent of the consumer. 

Misleading Practices : This inquiry was conducted under misleading circumstances. The FCRA mandates transparency and proper authorization for credit inquiries, which were not observed in this instance. 

Violation of XXXX Rights : According to the FCRA ( 15 U.S.C. 1681c-1 ), consumers have the right to dispute inaccurate or unauthorized information on their credit reports. This inquiry is unauthorized and inaccurately reflected on my credit history. 

Potential Harm and Liability : The presence of an unauthorized inquiry adversely impacts my XXXX XXXX and XXXX affect my ability to obtain credit. The FCRA ( 15 U.S.C. 1681n ) provides for damages if a credit reporting agency willfully fails to comply with the Act 's requirements, including unauthorized inquiries. 

Request for XXXX : I hereby request an immediate investigation into this matter and demand the removal of the unauthorized inquiry from my credit report. The misleading nature of this inquiry underscores the need for prompt corrective action. If this situation is not rectified, I will file a formal complaint with the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ). I XXXX also pursue legal remedies for any damages incurred due to this violation. 

Please confirm in writing the removal of this inquiry and provide me with a revised copy of my credit report reflecting the correction. 

Thank you for your prompt attention to this urgent matter. 

Sincerely, 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 2024-08-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Ref previous complaint XXXX Hello, I have been a AMEX customer since 2013, and they provide cards for myself and both of my businesses and a line for credit for one of them. In all of this time I have never missed a single payment, paying off the full balance due each month. Today, XX/XX/XXXX, American Express decided to wipe out my credit limit on my personal credit card, and begin declining all charges, including recurring charges, and once again demanding early payment before the due date. This happened in XXXX of this year, and after I complained to the CFPB, they relented and restored my credit limit, however punished me by using the brief period of lower credit limit as justification to slash my business line of credit. 

Today marks the second time AMEX is punishing me, despite the fact I pay all of my bill in full and on-time every month, and have never carried a balance. To be frank, I think the fact that I do pay my bills is why I am being punished, since that reduces the amount of money they make off of me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-05 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Westlake Services, LLC
State: NC

Complaint narrative:
Westlake Portfolio has called me so many times during the day, everyday. Monday to Sunday. 
They have called me so many times during the day that it got me fired from my new employer because my phone was going off so much during the work day. I already struggle with XXXX XXXX XXXX  and their constant calling has given me major XXXX 
I was laid off my last job so I wasnt able to pay my debt. And I finally started a new job but got fired because of my phone going off all day!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-05 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: GA

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


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


I demand the late payment reported in ( 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. 


EQUIFAX 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 response to consumer: Closed with explanation
Consumer complaint received 2024-08-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

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 168.SELF XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 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 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 2024-08-05 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: IL

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 168.SELF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 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 2024-08-05 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: WA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-05 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: NJ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-08-05 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: MicroBilt / PRBC (formerly CL Verify)
State: MA

Complaint narrative:
Formal Dispute of Unauthorized Credit Inquiry by MicroBilt I am writing to formally dispute an unauthorized hard inquiry that has appeared on my credit report, which is a violation of the Fair Credit Reporting Act ( FCRA ). The details of the inquiry are as follows : Company Name : XXXX Inquiry Date : XX/XX/2024 Alert Date : XX/XX/2024 Business Type : XXXX XXXX XXXX : Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX Phone Number : ( XXXX ) XXXX Legal Violations : Unauthorized Inquiry : The hard inquiry by MicroBilt was made without my explicit consent. I did not apply for any credit or services that would authorize this inquiry. Under the FCRA ( 15 U.S.C. 1681b ), any credit inquiry requires the explicit consent of the consumer. 

Misleading Practices : I believe the inquiry was conducted under misleading circumstances. The FCRA requires transparency and proper authorization for credit inquiries, which were not observed in this case. 

Violation of Consumer Rights : According to the FCRA ( 15 U.S.C. 1681c-1 ), consumers have the right to dispute inaccurate or unauthorized information on their credit reports. This inquiry is unauthorized and inaccurately reflected on my credit history. 

Potential Harm and Liability : The presence of an unauthorized inquiry adversely impacts my credit score and may affect my ability to obtain credit. The FCRA ( 15 U.S.C. 1681n ) provides for damages if a credit reporting agency willfully fails to comply with the Act 's requirements, including unauthorized inquiries. 

Request for Action : I hereby request an immediate investigation into this matter and demand the removal of the unauthorized inquiry from my credit report. The misleading nature of this inquiry underscores the need for prompt corrective action. If this situation is not rectified, I will file a formal complaint with the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ). I may also pursue legal remedies for any damages incurred due to this violation. 

Please confirm in writing the removal of this inquiry and provide me with a revised copy of my credit report reflecting the correction. 

Thank you for your prompt attention to this urgent matter. 

Sincerely, 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 2024-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Although, the 3 credit reporting agencies, XXXX, Transunion and XXXX have removed a {$290.00} XXXX account two times. However, the {$290.00} XXXX account shows up again with a different companies and it is reoccurring on my credit file with all three companies. Most recently I have found that this account is now with XXXX XXXX XXXX and indicates that it was opened around XX/XX/XXXX, when the errant delinquencies has been removed and reappearing now, four times, since XX/XX/XXXX. Again, these were not services that I received, as I sold and moved to another state in XX/XX/XXXX. XXXX was notified by phone and through my online account that I had sold my home and was moving in XX/XX/XXXX. I did provide tangible information and proof of payment to all three credit reporting agencies. I am attaching my correspondences in this compliant.

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 2024-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Although, the 3 credit reporting agencies, XXXX, XXXX and Equifax have removed a {$290.00} XXXX account two times. However, the {$290.00} XXXX account shows up again with a different companies and it is reoccurring on my credit file with all three companies. Most recently I have found that this account is now with XXXX XXXX XXXX and indicates that it was opened around XX/XX/XXXX, when the errant delinquencies has been removed and reappearing now, four times, since XX/XX/XXXX. Again, these were not services that I received, as I sold and moved to another state in XX/XX/XXXX. XXXX was notified by phone and through my online account that I had sold my home and was moving in XX/XX/XXXX. I did provide tangible information and proof of payment to all three credit reporting agencies. I am attaching my correspondences in this compliant.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-05 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX is reporting my account as late on my credit report. I never gave this agency written consent to disclose to any bureaus about my payments according to the FCRA USC 15 1681b and 15 USC 1666B. 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. Please have this inaccurate information removed and update my payment status to current with all bureaus. thank you for your prompt response and updating inaccuracies.

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 2024-08-05 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX is reporting my account as late on my credit report. I never gave this agency written consent to disclose to any bureaus about my payments according to the FCRA USC 15 1681b and 15 USC 1666B. 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. Please have this inaccurate information removed and update my payment status to current with all bureaus. thank you for your prompt response and updating inaccuracies.

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 2024-08-05 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: VA

Complaint narrative:
Upon checking my credit report on Equifax XXXX XXXX XXXX  with the account number ending XXXX is listing the account as paid as agreed but in the payment section in XXXX it reported me as being 30 days late and then in apr they reported me as being 60 days late that is a direct violation of the fcra rules it can't be paid as agreed and show late payments also

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: MI

Complaint narrative:
I am unaware of debt. I have not received any notices on the account. I tried disputing the account. It has fallen off before but then it will return. It keeps popping up on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation