vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-11 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: GA

Complaint narrative:
I needs this removed from my account its hurting my ability to obtain credit Upon reviewing my Consumer Reports, I discovered some instances of late payments on an account for which I have always maintained timely payments. Consumer Reporting Agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy. I have never missed a payment on the following by account : XXXX XXXX, XXXX. I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. If unable to furnish such proof, I demand that these payments be promptly updated to reflect their true status as on-time, as I have consistently upheld my payment obligations without delay!

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 2024-11-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
Hi I had a online savings account and saw a transaction I didnt recognize a ach transfer for XXXX and got this disputed the bank investigated this is decided it was unauthorized and due to my account status they couldnt credit my account the amount because of its status it being closed so they sent a check by XXXX on XX/XX/XXXX but I never received this check it was open package when I looked in it with only a non negotiable agent copy of the check but not the check it self and have been trying to get it reissued since then and when I call only thing is done is the agent escalates it to the back office team and I never hear back they responded back one time and said they couldnt issue a check because my account had already been credited the amount but that was a mistake on their end they had the dispute mixed up and was referring to another dispute with the same amount and I informed a agent about it and they noticed it too and let them know after that I never heard back and have been calling and nothing has been done and I have been waiting patiently only thing happening is it being escalated to the back office team and I never hear back I just hope u guys can get to the bottom of this and get this check reissued

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 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: GA

Complaint narrative:
I needs this removed from my account its hurting my ability to obtain credit Upon reviewing my Consumer Reports, I discovered some instances of late payments on an account for which I have always maintained timely payments. Consumer Reporting Agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy. I have never missed a payment on the following by account : XXXX XXXX, XXXX. I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. If unable to furnish such proof, I demand that these payments be promptly updated to reflect their true status as on-time, as I have consistently upheld my payment obligations without delay!

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 2024-11-11 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: GA

Complaint narrative:
I needs this removed from my account its hurting my ability to obtain credit Upon reviewing my Consumer Reports, I discovered some instances of late payments on an account for which I have always maintained timely payments. Consumer Reporting Agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy. I have never missed a payment on the following by account : XXXX XXXX, XXXX. I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. If unable to furnish such proof, I demand that these payments be promptly updated to reflect their true status as on-time, as I have consistently upheld my payment obligations without delay!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Upon checking my credit report, I have discovered fraudulent hard inquiries on it, they are XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX OF XXXX XXXX XX/XX/XXXX, delete these inquiries from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 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: FL

Complaint narrative:
Your continued reporting of accounts linked to identity theft violates federal law. I never authorized these accounts and previously disputed them with supporting identity theft documentation. Enclosed are copies of my XXXX XXXX XXXX XXXX XXXX XXXX XXXX for additional verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 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: MA

Complaint narrative:
in accordance with the Far Crear Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. Phone : ( XXXX ) XXXX, has violated my rights 15 U.S C 1681 section 602 A. States | have the right to privacy 15 U S C 1681 Section 604 A Section 2 : It aiso states a consumer reporting agency can not furnish a account without my wrten instructionse

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 2024-11-11 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: MA

Complaint narrative:
in accordance with the Far Crear Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX. Phone : ( XXXX ) XXXX, has violated my rights 15 U.S C 1681 section 602 A. States | have the right to privacy 15 U S C 1681 Section 604 A Section 2 : It aiso states a consumer reporting agency can not furnish a account without my wrten instructionse

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CBC Companies, Inc.
State: NJ

Complaint narrative:
Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.

Please make a thorough investigation on the following : Former : XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NJ XXXX Former : XXXX XXXX Employers : XXXX XXXX Employers : XXXXXXXX XXXX Date of Birth : XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 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:
Upon checking my credit report, I have discovered a fraudulent account being reported on my account, the account is XXXX XXXX with the account number XXXX, this account is fraudulent and I request immediate deletion 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 2024-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Requesting Tax Documents Companies list accounts as the following " Account charged off, I did not receive a 1099C, Companies are still reporting that I have balances. I am requesting the 1099C.

UCC 3-306 UCC 9-210 FCRA 609 & 611 I have received a copy of my credit report and after reviewing my credit report I hereby respectfully dispute and demand the immediate deletion of the following inaccurate items pursuant to 15 USC 1681 sec.611 of the FCRA # 1 & 4 . FACT : The FDCPA & FCRA is to secure my right to privacy.

FACT : The FDCPA & FCRA protects consumers from having their reputation ruined by Debt Collectors. ( This violation has occurred via debt collectors posting on my consumer report without my written permission ). FACT : The FDCPA & FCRA is in place to protect my rights against abusive debt collectors. FACT : Affidavit has proof in exhibit A that the following debt collector ( s ) has violated 15 USC 1692B ( as they are not allowed to say that this is an attempt to collect a debt which I deem to be harassment and abuse ). 

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & amp ; SECTION 617.

Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission, CFPB, OCC, FDIC, XXXX  and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. I am sure you are well aware of the Class Action Lawsuit ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Requesting Tax Documents Companies list accounts as the following " Account charged off, I did not receive a 1099C, Companies are still reporting that I have balances. I am requesting the 1099C.

UCC 3-306 UCC 9-210 FCRA 609 & 611 I have received a copy of my credit report and after reviewing my credit report I hereby respectfully dispute and demand the immediate deletion of the following inaccurate items pursuant to 15 USC 1681 sec.611 of the FCRA # 1 & 4 . FACT : The FDCPA & FCRA is to secure my right to privacy.

FACT : The FDCPA & FCRA protects consumers from having their reputation ruined by Debt Collectors. ( This violation has occurred via debt collectors posting on my consumer report without my written permission ). FACT : The FDCPA & FCRA is in place to protect my rights against abusive debt collectors. FACT : Affidavit has proof in exhibit A that the following debt collector ( s ) has violated 15 USC 1692B ( as they are not allowed to say that this is an attempt to collect a debt which I deem to be harassment and abuse ). 

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & amp ; SECTION 617.

Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission, CFPB, OCC, FDIC, XXXX  and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. I am sure you are well aware of the Class Action Lawsuit ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-11 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: GA

Complaint narrative:
Upon reviewing my Consumer Reports, I discovered some instances of late payments on an account for which I have always maintained timely payments. Consumer Reporting Agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy. I have never missed a payment on the following account : XXXX  XXXX XXXX XXXX I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. If unable to furnish such proof, I demand that these payments be promptly updated to reflect their true status as on-time, as I have consistently upheld my payment obligations without delay!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-11 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: GA

Complaint narrative:
Upon reviewing my Consumer Reports, I discovered some instances of late payments on an account for which I have always maintained timely payments. Consumer Reporting Agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy. I have never missed a payment on the following account : XXXX XXXXXXXX XXXXXXXX XXXX. I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. If unable to furnish such proof, I demand that these payments be promptly updated to reflect their true status as on-time, as I have consistently upheld my payment obligations without delay!

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 2024-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: LEXISNEXIS
State: SC

Complaint narrative:
ITS BEEN PAST FOUR BUSINESS DAYS AND THE ACCOUNTS ARE STILL NOT BLOCKEDVIOLATING MY RIGHTS AS A CONSUMER UNDER THE FCRA 605C I AM A VICTIM OF XXXX XXXX THESE ACCOUNTS WERE THE RESULT OF THAT XXXX  PLEASE BLOCK THESE ACCOUNTSWITHIN FOUR BUSINESS DAYS PURSUANT TO FCRA 605C. PLEASE PLACE A FRAUD ALERT ON MY PROFILE USING THE NUMBER XXXX. PLEASE PLACE A SECURITY FREEZE ON MY PROFILE. PLEASE ALSO OPT ME OUT. PLEASE BLOCK THE ACCOUNTS RELATED TO XXXX XXXX. PLEASE ALSO SEND A COPY OF MY CONSUMER REPORT UPDATED TO MYSELF AND CPFB. SUPPRESS MY FILE

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT.I FOUND NUMEROUS INQUIRIES FROM CREDITORS WHO I DID NOT GIVE MY PERMISSION TO PULL MY CREDIT REPORT. THESE INQUIRIES ARE FRAUDULENT.PLEASE REMOVE THESE FRAUDULENT INQUIRIES FROM MY CREDIT REPORT. XXXX XXXX XX/XX/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 2024-11-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc.
State: GA

Complaint narrative:
On XX/XX/year>, I received communication the balance on the federal student loan had been discharged and no more payments needed to be made on the account. XXXX XXXX which is the federal loan servicer is still pursuing payments. This action is causing a negative impact on my credit score and report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 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: NY

Complaint narrative:
In the summer of XXXX, on XX/XX/year> I contacted XXXX for a credit limit increase on my credit card. They went ahead and did that but did not warn me that they will be doing a HARD inquiry on my credit report. Had they told me so I would have NEVER asked for the increase. A while later I caught the mistake and called the bank to remove the inquiry. They admitted their mistake and they said they would send a letter to Experian to remove the erroneous inquiry. Needless to say I checked my report last week as I was thinking of getting a new credit product and notice that the inquiry was not removed. I contacted XXXX and Experian NUMEROUS times and both organizations have been giving me run around, telling me that the other organization is responsible and REFUSING to help me. I am fed up with their XXXX  and need your help please!

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 2024-11-11 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: IA

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2024-11-11 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: IA

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 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: CA

Complaint narrative:
CREDIT REPORTING COMPANY- XXXX  XXXX IMEDIATELY I am writing to formally request the immediate removal of the following inquiries on my credit report, as I have no knowledge of these inquiries and did not authorize them. These entries appear to have been made without my consent and are negatively impacting my credit score. The unauthorized inquiries are as follows : XXXX XXXX - Inquiry Date : XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry-XXXX XXXX XXXX XXXX XXXX - XX/XX/year> In accordance with the Fair Credit Reporting Act ( FCRA ), I request that these inquiries be removed from my report immediately.

If these inquiries are not removed promptly, I will consider further action to protect my credit profile. Thank you for your prompt attention to this matter. 

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 2024-11-11 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: EQUIFAX, INC.
State: CA

Complaint narrative:
CREDIT REPORTING COMPANY- EXPERIAN REOVE IMEDIATELY I am writing to formally request the immediate removal of the following inquiries on my credit report, as I have no knowledge of these inquiries and did not authorize them. These entries appear to have been made without my consent and are negatively impacting my credit score. The unauthorized inquiries are as follows : XXXX XXXX - Inquiry Date : XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> In accordance with the Fair Credit Reporting Act ( FCRA ), I request that these inquiries be removed from my report immediately.

If these inquiries are not removed promptly, I will consider further action to protect my credit profile. Thank you for your prompt attention to this matter. 

XXXX XXXX XXXX.

Company response to consumer: Closed with explanation