vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-21 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: IL

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 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: IL

Complaint narrative:
I insist on the removal of this late payment from my account, as it inaccurately portrays my payment history. I have consistently adhered to making timely payments, and it is unjust to be burdened with this erroneous entry. I urge you to take immediate action to update my account accordingly.

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 2024-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I insist on the removal of this late payment from my account, as it inaccurately portrays my payment history. I have consistently adhered to making timely payments, and it is unjust to be burdened with this erroneous entry. I urge you to take immediate action to update my account accordingly.

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 2024-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX  days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within XXXX  days, they should be promptly removed from my credit report. Since it has been over XXXX  days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.

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 2024-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX  days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within XXXX  days, they should be promptly removed from my credit report. Since it has been over XXXX  days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-21 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:
Subject : Formal Request for Investigation and Correction of Inaccurate Personal Information on Credit Report Dear Consumer Financial Protection Bureau, I trust this letter finds you well. My name is XXXX, and I am reaching out to seek your assistance in addressing a concerning matter regarding inaccurate personal information on my credit report, which is adversely affecting my creditworthiness.

The specific issues are in violation of the following consumer protection laws : Fair Credit Reporting Act ( FCRA ) - Section 1681i : As per FCRA Section 1681i, consumers have the right to dispute and correct inaccurate information on their credit reports. I have identified inaccuracies in my personal information, specifically incorrect names, phone numbers, and addresses, which are negatively impacting the accuracy of my credit report.

Fair Credit Reporting Act ( FCRA ) - Section 1681e : FCRA Section 1681e mandates consumer reporting agencies to follow reasonable procedures to ensure the maximum possible accuracy of the information provided in consumer reports. The inaccuracies in my personal information demonstrate a failure in these reasonable procedures.

I kindly request the Consumer Financial Protection Bureau 's intervention to thoroughly investigate this matter and ensure the prompt correction of the inaccurate personal information on my credit report. Enclosed with this letter, please find supporting documentation highlighting the discrepancies in my personal information.

Your prompt attention to this matter is crucial in maintaining the accuracy and fairness of my credit report. I appreciate your dedication to upholding consumer rights and fair credit reporting practices.

Thank you for your assistance. 

Sincerely, 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 2024-02-21 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: IN

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here.

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 2024-02-21 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:
Despite my lack of authorization, these surveys are considered to be fraudulent. I strongly recommend that you do a thorough investigation and remove them from my credit report immediately. I have provided documentation to support your review..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Meta Payments Inc.
State: PA

Complaint narrative:
XX/XX/year> METAPAY*XXXX XXXXr XXXX XXXX XX/XX/year> METAPAY*XXXX XXXX XXXX XXXX XX/XX/year> METAPAY XXXX XXXX XXXX XXXX XX/XX/year> METAPAY XXXX XXXX XXXX XXXX XX/XX/year> METAPAY XXXX XXXX XXXX XXXX An entity used thisplatform to illegally acess and debit our checking account

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 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: TX

Complaint narrative:
Student loan has been discharged and it is still being reported with a balance.

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 2024-02-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC.
State: CT

Complaint narrative:
Based on a recommendation from XXXX XXXX I opened a credit card account with Ally Financial Inc . The premise behind opening this account was due to the fact that XXXX XXXX and Ally Financial stated that this would improve my credit score. In addition, they both recommended that I utilize this card to pay gas and food bills. So, I did.

I pay off all of the charges that I incur on a biweekly basis and have never missed a payment. Ally 's website confirms the aforementioned information. My credit score went down by over XXXX points and is still dropping. There is no reasoning for this. 
I contacted customer service as was told that the negative credit was due to using their credit card and nothing to do with my payment history. Note : Again, I pay off my balance on a biweekly basis. This is false advertisement by XXXX XXXX and a scam by Ally Financial Inc . Please advise.

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 2024-02-21 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: Experian Information Solutions Inc.
State: OK

Complaint narrative:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM EXPERIAN

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 2024-02-21 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Property Receivables, Corp
State: WA

Complaint narrative:
Collecttech is trying to collect money that I dont owe them. 
They are refusing to answer on my emails when I asked how much I owe them. 
They have XXXX different debt collection companies in my credit report for the same debt. 

Collectech and Properties receivable ( which is owned by same company ) are currently on my credit report. This is violation. 
This debt was previously reported by XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 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: IL

Complaint narrative:
The attached and enclosed inquiries were not authorized by me. If I must pursue further, I will be forced to file an FTC report. It is clearly a mistake and even a violation to attached unauthorized inquiries to my credit report. These must be removed immediately

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 2024-02-21 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: IL

Complaint narrative:
cease and desist contract was fraudulent the dealership collect down payment they have closed down sense the pandemic financial company credit acceptance still harassing me reporting inaccurate information on my credit profile for XXXX yrs XXXX  months

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 2024-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
cease and desist contract was fraudulent the dealership collect down payment they have closed down sense the pandemic financial company credit acceptance still harassing me reporting inaccurate information on my credit profile for XXXX yrs XXXX months

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 2024-02-21 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: NY

Complaint narrative:
I have received a credit report that suggests I owe you something, but I have not seen any evidence to support this claim. Therefore, I demand that you dismiss all claims against me and remove any negative reports about me, especially if the reported items lack mandatory document evidence of verified factual proof of claim, reporting truth, accuracy, correctness, completeness, fullness, timeliness, ownership or responsibility of claim/reporting, and/or compliance with certified Metro 2 format reporting standards. I also demand that you prove your lawful authority to conduct business with me, as I will not conduct any business interaction with you under duress. If you fail to comply with this demand within 20 days of receiving this notice, you must immediately and permanently cease all derogatory or injurious actions against me, including but not limited to reporting or collecting unverified, untrue, invalid, or non-compliant claims or debts. 
Please be aware that any such behavior could be considered criminal harassment or extortion, and I will take appropriate legal action. Therefore, please rectify any alleged chicanery-laden subterfuge on my credit report by removing any delinquently reported items. 

Listed below are the Accounts that are being challenged XXXX  XXXX - XXXX XXXX  - XXXX XXXX XXXX  XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX Listed below XXXX the Collections that are being challenged 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 2024-02-21 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: FL

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from 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 2024-02-21 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: KS

Complaint narrative:
I have noticed that XXXX XXXX has been reporting inaccurate and incomplete information to my consumer reports. i have sent dispute letters to both the furnisher as well as to the reporting agencies notifying them of the inaccuracies. the accounts have been investigated and verified as accurate. however i have not been provided the investigation reports, the information is clearly reported inaccurate and incomplete but yet it remains on my consumer reports. The assumed responsibilities of the CRAs is to promote fairness, accurate and complete credit reports, and as data furnnishers it is their legal obligation to provide accurate and complete information. After multiple disputes and challenges, no changes or deletions have been made, negatively impacting my financial well being. the account needs to be removed and deleted from my consumer report. the wilful noncompliance by the CRAs and the furnisher of this data are in clear violation of my rights, criminally liable to charges for each violation. Correct my consumer reports and hold violators responsible for the damages done.

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 2024-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
I have noticed that XXXX XXXX  has been reporting inaccurate and incomplete information to my consumer reports. i have sent dispute letters to both the furnisher as well as to the reporting agencies notifying them of the inaccuracies. the accounts have been investigated and verified as accurate. however i have not been provided the investigation reports, the information is clearly reported inaccurate and incomplete but yet it remains on my consumer reports. The assumed responsibilities of the CRAs is to promote fairness, accurate and complete credit reports, and as data furnnishers it is their legal obligation to provide accurate and complete information. After multiple disputes and challenges, no changes or deletions have been made, negatively impacting my financial well being. the account needs to be removed and deleted from my consumer report. the wilful noncompliance by the CRAs and the furnisher of this data are in clear violation of my rights, criminally liable to charges for each violation. Correct my consumer reports and hold violators responsible for the damages done.

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 2024-02-21 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: IN

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here.

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 2024-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Please remove these fraudulent accounts from my credit report as they do not belong to me and I was not aware of their existence. Under USC 1681g, I request that you delete these entries within 15 days. Attached are the documents supporting 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 non-monetary relief
Consumer complaint received 2024-02-21 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: IL

Complaint narrative:
Please remove these fraudulent accounts from my credit report as they do not belong to me and I was not aware of their existence. Under USC 1681g, I request that you delete these entries within 15 days. Attached are the documents supporting 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 2024-02-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I've consistently upheld timely payments on this account without any instances of lateness. It's perplexing to encounter reports of late payment remarks associated with my accounts.

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 2024-02-21 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NV

Complaint narrative:
2nd time around complain. 

Original complain XXXXwa resolve according to company and XXXX statement. 

And yet its started again in XXXX. 
Promotion plan have no interest fee charged, but statement show interest fee again.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 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: Collection Management Holdings, LLC
State: CA

Complaint narrative:
A credit card appeared under Collections on my credit report. The credit card is in my name but does not belong to me. I never applied for it and I never received it.

Company response to consumer: Closed with explanation