vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-24 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: FL

Complaint narrative:
TO WHOM IT XXXX CONCERN I recently received a copy of my Equifax report, and I noticed some incorrect information reporting on my credit report.

Your company is in clear violation of the law. Under 15 USC 1681b- Permissible Purpose of consumer reports. THE LAW CLEARLY STATES : ( A ) In general Subject to subjection ( c ) Any consumer reporting agency may furnish a consumer report under the following circumstance and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you permission to furnish this account on my credit report?

Furthermore, the fair credit reporting act 15 USC 1681 ( 2 ) ( a ) ( i ) exclusion from a consumer credit report clearly states ( A ) ( A ) EXCLUSIONS- Except as provided in a paragraph ( 3 ), the term consumer report does not include - Subject to section 1681s-3 of this title, any- ( I ) Report containing information solely as to transactions or experiences between the consumer and the person making the report : Failure to respond satisfactory with deletion of the above referenced accounts, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which i will also be seeking {$1000.00} per violation for : 1. Defamation of character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC S 1692g violations 4. Fair Credit Reporting Act 15 USC s1681 violation for willful noncompliance- s616 Civil liability for willful noncompliance [ 15 USC S1681n ]. Please delete the following accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. {$3100.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-24 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I'M REQUESTING FOR THE ORIGINAL COPY OF THE AGREEMENT & TERMS & CONDITION. FAILURE TO COMPLY WILL FORFEIT YOUR CLAIMS AND WILL REQUIRE YOU TO DELETE ALL THE LIST OF ITEMS ABOVE. YOU ARE REQUIRED TO DO WHAT I AM ASKING AND BLOCK THESE TRANSACTIONS FROM BEING REPORTED TO MY CONSUMER REPORT WITHIN 4 BUSINESS DAYS FROM THE DATE OF RECEIPT OF THIS NOTICE. 
THANK YOU

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-24 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: WI

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 1681.

And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-09-24 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: IL

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-24 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: IL

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Self Financial Inc.
State: AR

Complaint narrative:
I sent a Debt Validation Letter to this creditor, asking to provide documentation because they have it listed as a charge off with a balance, that is also written off. They are reporting a charge off on XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX as a charge off and XX/XX/XXXX and XX/XX/XXXX This account is also listed as Self Financial/Lead Bank & Self/ XXXX ( reporting 2 times as XXXX different collectors ) ... ..should be only reporting as XXXX, not XXXX. 
Self/XXXX Account XXXX XXXX Self Financial/Lead Bank Account # XXXX This debt has violated my consumer rights by continuously charging off by balance to extend the statute of limitation, How can it be charged off and written off and yet still list me with a balance owed of {$100.00}. This is inaccurate and false information that should not be reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-24 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: FL

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 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

XXXX XX/XX/year> TransUnion 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 2024-09-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

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

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

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-24 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: WI

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 1681. 

And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XXXX XX/XX/year> TransUnion XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX CARDS XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX  XXXX 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 2024-09-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: AR

Complaint narrative:
I sent a XXXX XXXX XXXX to this creditor, asking to provide documentation because they have it listed as a charge off with a balance, that is also written off. They are reporting a charge off on XX/XX/year>, Account is being reported as a charge off/written off and collections. Not matching on any of the bureaus. 

This debt is being reported by XXXX, Portfolio XXXX XXXXXXXX for the same XXXX XXXX XXXX. How can XXXX collection companies be reporting the same account, with different balances on all three. 

This debt has violated my consumer rights by continuously charging off by balance to extend the statute of limitation, How can it be charged off and collection yet still list me with a balance owed of {$950.00}. This is inaccurate and false information that should not be reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: AR

Complaint narrative:
I sent a XXXX XXXX XXXX to this creditor, asking to provide documentation because they have it listed as a charge off with a balance, that is also written off. They are reporting a charge off on XX/XX/year>, This account is XXXX as open and closed and late and written off, inaccurate information. 

This debt has violated my consumer rights by continuously charging off by balance to extend the statute of limitation, How can it be charged off yet still list me with a balance owed of {$600.00}. This is inaccurate and false information that should not be reported. 

This account has been written off and charged off by XXXX Bank XXXX XXXX XXXX XXXX I don't owe XXXX/LVNV, I have no contract and no signature written nor verbal with this company, yet they are reporting on my credit file as if I owe them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-24 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:
XXXX reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-24 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: NY

Complaint narrative:
I want to dispute fraudulent accounts on my consumer report that you have failed to delete. I request an reinvestigation and permanent removal of the inaccurate accounts in accordance with the Fair Credit Reporting Act ( FCRA ) section 611. I'm also requesting verifiable proof, a contract with my signature accurately showing this account belongs to me and how it was verified. Immediately remove these inaccurate account from my consumer report due to violation of my consumer rights under 15 U.S.C 1681a XXXX XXXXXXXX XXXX : Account Number : XXXX XXXX XXXX XXXX- Account number XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-24 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: IL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-24 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Unifin Inc.
State: SC

Complaint narrative:
This company is calling multiples family members and neighbors and stating that they are filing legal actions against me. I spoke with them and stated that if they have all my information to please send to my mailing and I will have my attorney look at it. They continue to call different family members every day

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-24 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have submitted SEVERAL documents to request a Human Trafficking block. Immediately after making an initial complaint I received XXXX denial without a clear explanation. I have called numerous times. My documents were legitimate and followed the law. I have submitted several different documents proving my status as a Human Trafficking victim.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-24 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: GA

Complaint narrative:
XXXX reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward 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 2024-09-24 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: NY

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and XXXX asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live 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 2024-09-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
In XX/XX/year>, I received a promotional offer from Capitol One for a Venture X XXXX card, which promised bonus points after reaching a specific spending threshold within a limited time frame. Despite being approved for the necessary credit limit, when I attempted to make a large charge to pay my income taxes, Capitol One declined the transaction, citing the need for an established credit history before approving such a large charge. Consequently, I canceled the card, as my sole intention in obtaining it was to take advantage of the bonus offer for a large tax payment. 

Unbeknownst to me, my wife had made XXXX small tax-related charges totaling {$100.00} on this card instead of using her personal card. I never received any paper or electronic invoices from Capitol One about these charges until XX/XX/year>, when they emailed me stating that I owed {$100.00} plus {$15.00} in late fees ( 5 months late x {$3.00} ). I verified the {$100.00} charges, but I called Capitol One to request the removal of the {$15.00} in late fees, as I had never received a bill. 

Capitol One claimed that I had signed up for paperless billing, which I never do, and they insisted that they had sent me previous correspondence via email. After checking my email, including the spam folder and trash, I found no correspondence from Capitol One until XX/XX/year>. 

Today, I called Capitol One again and spoke to XXXX different agents, each of whom redirected me to someone else, only to be disconnected after being on the phone for over an hour. It seems that Capitol One 's actions are indicative of a credit card company trying to wear down consumers through deliberate obfuscation and bureaucratic delays, centered on the use of overseas call centers with underpaid agents and limited language skills. 

I am willing to pay the {$100.00} charges, but I insist on the removal of the {$15.00} late fees, as I was never invoiced and had no reason to monitor this account after closing it following the earlier incident in XXXX.

Company response to consumer: Closed with explanation